Homes with a newer roof, and how to check one.
175 resale homes for sale in St. Johns, Duval, Nassau and Clay say their roof dates from 2022 or later. Most listings never say at all: 92% of resales leave the roof’s age out.
By Krista Fracke — Broker Associate, Christie's International Real Estate First Coast · 20+ years in Northeast Florida · 500+ closings · client reviews
What the listings say about their roofs
I’m Krista Fracke, and the roof is the first date I want on a resale home here, because it sets the insurance quote. Of the 3,860 resale homes for sale in the four counties, 321 state a roof year in the listing, and 175 of those are 2022 or newer. Another 2,024 homes were built in 2022 or later, so their original roof is that new.
| County | Resales for sale | State a roof year | Roof 2022+ | Built 2022+ |
|---|---|---|---|---|
| St. Johns | 1,243 | 84 (7%) | 44 | 841 |
| Duval | 1,869 | 160 (9%) | 86 | 659 |
| Nassau | 272 | 25 (9%) | 17 | 202 |
| Clay | 476 | 52 (11%) | 28 | 322 |
| All four counties | 3,860 | 321 (8%) | 175 | 2,024 |
Homes for sale from the MLS, updated hourly. A roof year counts when the listing remarks state one (“new roof 2023”); it is the seller’s statement, not a permit record. Resale = built before 2022.
When sellers do state it, the roof is usually recent
Stated roof years across the four counties. A seller with a new roof says so; a seller with an old one tends not to, which is why a listing that is silent on the roof is a question, not a neutral fact.
2022 or newer
175
homes
2017 to 2021
123
homes
2012 to 2016
20
homes
Before 2012
3
homes
St. Johns County: resales with a 2022+ roof
Roof year as the listing states it. Newest listings first.
Jacksonville: resales with a 2022+ roof
Roof year as the listing states it. Newest listings first.
Nassau County: resales with a 2022+ roof
Roof year as the listing states it. Newest listings first.
Clay County: resales with a 2022+ roof
Roof year as the listing states it. Newest listings first.
What the roof’s age means for insurance
Florida Statutes 627.7011(5) drew the line in 2022: an insurer can’t refuse a policy only because a roof is under 15 years old. At 15 or older, the insurer has to let the owner pay for an inspection before demanding a new roof, and can’t refuse on age alone if the inspector finds five or more years of life left.
Citizens, the state-backed insurer of last resort, asks for a four-point inspection (roof, electrical, plumbing, heating and cooling) on any home more than 20 years old. A shingle roof older than 25 years, or a tile, concrete or metal roof older than 50, needs proof of five years of remaining life, or proof it was replaced.
The rest of the premium (wind-mitigation credits, flood zone, construction era) is on the home insurance page.
Checking a roof before you offer
- Read the listing. If it states a roof year, our listing pages show it in the Reality Check section, marked “per the listing.”
- Ask for the re-roof permit. The city or county building department that issued it can confirm the date and the final inspection.
- Get the roof into the inspection: the general inspection, the four-point if the home is over 20, and a wind-mitigation report, which can earn credits.
- Call an insurance agent with the roof year before the inspection period ends, not after.
Repairs have their own rule. If the roof was built to the 2007 Florida Building Code or later, Florida Statutes 553.844(5) says only the repaired part has to meet the current code, even when the repair covers 25% or more of the roof.
What the roofs are made of
Roof material as the MLS records it for the homes for sale now. Citizens treats tile, concrete and metal as hard roofs with the 50-year line; everything else falls under the 25-year line.
Shingle
89%
Metal
5%
Tile or concrete
4%
Other (membrane, tar and gravel, wood)
1%
Looking for metal specifically? Metal-roof homes in St. Johns County.
The part nobody tells you: an old roof can be the good deal
A house with an original shingle roof from the early 2000s is often priced for exactly that reason, and the price may be right. The arithmetic has to include a new roof within a few years and a harder insurance conversation now. I want the roof date and a roofer’s bid in hand before we write the offer, so the roof is part of the price instead of a surprise in the inspection period.
In St. Johns County, 7% of resale listings state the roof’s year. For the other 93%, the question is mine to ask on your behalf, and I ask it on the first showing.
This is the work I do every week. Found a home you like? I'll get the roof year, the permit and an insurance read before you decide what to offer.
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Broker Associate · Christie's International Real Estate First Coast · 20+ years · 500+ closings
Common questions
How do I find out how old a roof is on a house for sale in Florida?
Start with the listing: some sellers state the year, though only 8% of resale listings here do. Then ask for the re-roof permit, which the city or county building department that issued it can confirm, and have the roof covered in the inspection. If the home is over 20 years old, the four-point inspection most insurers ask for includes the roof.
Can an insurance company refuse a Florida home because of the roof’s age?
Not for a roof under 15 years old, if age is the only reason: Florida Statutes 627.7011(5) bars that for policies issued or renewed since July 1, 2022. For a roof 15 or older, the insurer has to allow an inspection at the owner’s expense first, and cannot refuse on age alone if the inspector finds 5 or more years of useful life left.
What roof age does Citizens Property Insurance accept?
Citizens asks for documentation of at least five years of remaining useful life on shingle and other soft roofs older than 25 years, and on tile, slate, clay, concrete or metal roofs older than 50 years. Without it, Citizens wants proof of a full roof replacement before it writes the policy. It also requires a four-point inspection on homes more than 20 years old.
Do I have to replace the whole roof if part of it is damaged?
Not if the existing roof was built, repaired or replaced to the 2007 Florida Building Code or a later edition. Florida Statutes 553.844(5) says only the repaired portion has to meet the current code, even when the repair is 25% or more of the roof. Older roofs fall under the building code’s own 25% rule.
What kind of roof do most homes here have?
Shingle, by far: 89% of the homes for sale that record a roof material. Metal is 5% and tile or concrete 4%.
Home insurance here →
Roof age, wind mitigation, flood zone and construction era.
Hurricane-ready homes →
Impact windows, shutters and generators, live from the MLS.
Metal-roof homes →
St. Johns County listings with a metal roof.
Termite inspections and bonds →
The WDO report, the attic notice, and what a bond covers.
Want the roofs checked for you?
Send me the homes you’re watching. I’ll find out how old each roof is and what it means for the insurance.