Most insurance companies require roof inspections on roofs older than 25 years (shingle or other type) or 50 years (tile, slate, clay, concrete, or metal). They require documentation showing at least three years remaining useful life. A Florida-licensed inspector must conduct an inspection of the roof to check for any visible signs of damage or deterioration. When a roof has less than three years of remaining useful life, the homeowner must provide proof of a full-roof replacement to the inspector before any policy is written on the home. The inspector will complete a Roof Condition Certification Form verifying the roof is in good condition.