Match roof life to solar life
Panels last 25 years or more. If your roof has less than that left, plan for it now. A good rule of thumb: if the roof is past the middle of its life or shows wear, replace it first. Removing and reinstalling panels later costs extra and takes coordination.
| Roof type | Typical life in Florida | Solar note |
|---|---|---|
| Asphalt shingle | About 15 to 20 years | Most common; easy to mount on |
| Metal | 40 years or more | Excellent; clamps can avoid holes |
| Concrete or clay tile | 40 years or more, underlayment less | Mounts need tile hooks or flashing; check underlayment age |
| Flat roof | Varies | Ballasted or tilted racking |
Also askedWill Solar Panels Damage My Roof? · What Happens to My Solar Panels When I Replace My Roof?
Insurance and roof age
Under Florida law (s. 627.7011), insurers cannot refuse to write or renew a policy just because of roof age if the roof is under 15 years old. Older roofs can pass with an inspection showing at least 5 years of life left. Adding solar can also mean updating your policy’s dwelling coverage, so tell your carrier.
Built for Florida wind
Rooftop solar in Florida must be designed for your address’s wind speed under the Florida Building Code. That means engineered attachments, the right number and spacing of mounts, and racking and panels listed for the job (UL 2703 and UL 1703 or 61730). The 9th edition of the code takes effect for permits filed on or after December 31, 2026.
What we check on site
- Roof age, material, condition and decking.
- Usable roof planes, direction and shade through the year.
- Vents, valleys, skylights and fire access pathways.
- Attic framing where needed.
- Your electrical panel and service size.
If the roof needs work later
Ask who removes and reinstalls the panels, what it costs and how the roof penetrations stay watertight. We put that plan in writing before you sign. See What happens to my solar panels when I replace my roof? and Will solar panels damage my roof?
Not a good roof? There are options
Homes with open, unshaded land can use a ground-mounted array. Businesses can look at carports or canopies.
Keep reading
The questions homeowners usually ask next.
General information, not tax, legal or financial advice. We checked these facts on October 8, 2026. Rules and rates change, so we confirm what applies to your home before you sign.