{"id":2979,"date":"2026-05-25T09:07:17","date_gmt":"2026-05-25T13:07:17","guid":{"rendered":"https:\/\/rtcinsuranceadvisors.com\/blog\/?p=2979"},"modified":"2026-07-25T20:53:34","modified_gmt":"2026-07-26T00:53:34","slug":"florida-home-age-requirements-for-insurance","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-home-age-requirements-for-insurance\/","title":{"rendered":"How the Age of Your Florida Home Affects Insurance Eligibility"},"content":{"rendered":"<p class=\"style1\" align=\"justify\">In Florida, the age of your home plays a major role in determining whether a carrier will approve your insurance policy. Older homes often come with outdated systems, higher risk factors, and construction methods that no longer meet modern safety standards. Understanding <a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\"><strong>Florida home age requirements for insurance<\/strong><\/a> can help homeowners prepare for underwriting and avoid unexpected repair requests.<\/p>\n<p class=\"style1\" align=\"justify\">Homes built before 2002 are evaluated more closely because they were constructed before Florida\u2019s modern building codes took effect. These codes were strengthened after Hurricane Andrew to improve wind resistance, roof attachment methods, and overall structural integrity. As a result, homes built after 2002 generally qualify for smoother underwriting and lower premiums.<\/p>\n<div id=\"rtci-wrapper\" style=\"display:block;width:100%;box-sizing:border-box;\">\r\n\r\n<!-- Badges \/ Tumble -->\r\n<div style=\"text-align:center;margin:30px 0;\">\r\n  <div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\">\r\n    <a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\">\r\n      <img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\">\r\n    <\/a>\r\n\t\t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div>\r\n    \t<div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div>    \r\n    \t<a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a>\r\n  <\/div>\r\n<\/div>\r\n\r\n<!-- Unified Anchor -->\r\n<div id=\"quoteform\"><\/div>\r\n\r\n<style>\r\n.rtci-form {\r\n    max-width:650px;\r\n    margin:0 auto;\r\n    padding:30px;\r\n    border-radius:12px;\r\n    background:#fff;\r\n    box-shadow:\r\n        0 3px 6px rgba(0,0,0,0.08),\r\n        0 10px 20px rgba(0,0,0,0.06),\r\n        0 20px 40px rgba(0,0,0,0.05);\r\n    border:1px solid #e6e6e6;\r\n}\r\n\r\n.rtci-step{display:none}\r\n.rtci-step.rtci-active{display:block}\r\n\r\n.rtci-row{margin-bottom:15px}\r\n.rtci-row label{display:block;font-weight:700;margin-bottom:5px}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n    width:100%;\r\n    padding:10px;\r\n    font-size:16px;\r\n    border:1px solid #ccc;\r\n    border-radius:6px;\r\n}\r\n\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline:none!important;\r\n    border:2px solid #007bff!important;\r\n    box-shadow:0 0 4px rgba(0,123,255,0.4)!important;\r\n    transition:border-color .2s ease,box-shadow .2s ease;\r\n}\r\n\r\n.rtci-next,.rtci-prev,.rtci-submit{\r\n    padding:12px 20px;\r\n    font-size:16px;\r\n    margin-top:10px;\r\n    cursor:pointer;\r\n    border:none;\r\n    border-radius:6px;\r\n    background:#07c;\r\n    color:#fff;\r\n}\r\n.rtci-prev{background:#555}\r\n\r\n.rtci-progress{\r\n    width:100%;\r\n    height:8px;\r\n    background:#e5e5e5;\r\n    border-radius:4px;\r\n    margin-bottom:20px;\r\n    overflow:hidden\r\n}\r\n.rtci-progress-bar{\r\n    height:8px;\r\n    width:0;\r\n    background:#07c;\r\n    transition:width .3s ease\r\n}\r\n\r\ninput:-webkit-autofill,\r\ntextarea:-webkit-autofill,\r\nselect:-webkit-autofill {\r\n    -webkit-box-shadow:0 0 0px 1000px #fff inset!important;\r\n    box-shadow:0 0 0px 1000px #fff inset!important;\r\n    background-color:#fff!important;\r\n    color:#000!important;\r\n}\r\n\r\n.rtci-submit.processing {\r\n    background: #28a745 !important; \/* green *\/\r\n    cursor: not-allowed;\r\n    opacity: 0.85;\r\n}\r\n<\/style>\r\n\r\n<div class=\"flip\">\r\n<div class=\"rtci-form\">\r\n<h2>Get Florida Home Insurance Quotes<\/h2>\r\n\r\n<div class=\"rtci-progress\">\r\n    <div class=\"rtci-progress-bar\" id=\"rtci-progress-bar\"><\/div>\r\n<\/div>\r\n\r\n<form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n<input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n<!-- STEP 1 -->\r\n<div class=\"rtci-step rtci-active\">\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_first\">First Name:<\/label>\r\n    <input name=\"driver_first\" id=\"driver_first\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"driver_last\">Last Name:<\/label>\r\n    <input name=\"driver_last\" id=\"driver_last\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"phone\">Phone Number:<\/label>\r\n    <input name=\"phone\" id=\"phone\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"email\">Email Address:<\/label>\r\n    <input type=\"email\" name=\"email\" id=\"email\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"dob\">Date of Birth:<\/label>\r\n    <input type=\"date\" name=\"dob\" id=\"dob\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_street\">Street Address You Want Quoted:<\/label>\r\n    <input name=\"address_street\" id=\"address_street\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_city\">City:<\/label>\r\n    <input name=\"address_city\" id=\"address_city\" required>\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_state\">State:<\/label>\r\n    <input type=\"text\" name=\"address_state\" id=\"address_state\" value=\"Florida\" readonly required \r\n           style=\"width:100%;padding:10px;background:#f0f0f0;\">\r\n<\/div>\r\n\r\n<div class=\"rtci-row\">\r\n    <label for=\"address_zip\">ZIP Code:<\/label>\r\n    <input name=\"address_zip\" id=\"address_zip\" required>\r\n<\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 2 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"stories\">Number of Floors:<\/label>\r\n    <select name=\"stories\" id=\"stories\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"1\">1 Story<\/option>\r\n      <option value=\"2\">2 Stories<\/option>\r\n      <option value=\"3\">3 Stories<\/option>\r\n      <option value=\"4+\">4 or More Stories<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"square_feet\">Approx. Heated Square Footage: (Living Area)<\/label>\r\n    <input type=\"text\" name=\"square_feet\" id=\"square_feet\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"construction\">Construction Type:<\/label>\r\n    <select name=\"construction\" id=\"construction\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"ConcreteBlock\">Concrete Block<\/option>\r\n      <option value=\"WoodFrame\">Wood Frame<\/option>\r\n      <option value=\"Brick Veneer\">Brick Veneer<\/option>\r\n      <option value=\"Mixed\">Mixed Block\/Frame<\/option>\r\n      <option value=\"SteelFrame\">Steel Frame<\/option>\r\n      <option value=\"Unsure\">Unsure<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"roof_year\">Roof Year:<\/label>\r\n    <input type=\"text\" name=\"roof_year\" id=\"roof_year\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"policy_type\">What Type of Policy Do You Need?<\/label>\r\n    <select name=\"policy_type\" id=\"policy_type\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n      <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n      <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n      <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n      <option value=\"Flood Only\">Flood Only<\/option>\r\n      <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 3 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"claims\">Number of home or flood claims\/losses in 5 years:<\/label>\r\n    <select name=\"claims\" id=\"claims\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Zero\">Zero<\/option>\r\n      <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n      <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n      <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"current_insurance\">Do you have current insurance on home?<\/label>\r\n    <select name=\"current_insurance\" id=\"current_insurance\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"Yes\">Yes<\/option>\r\n      <option value=\"No\">No<\/option>\r\n      <option value=\"New Purchase\">Not Yet (New Purchase)<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n<\/div>\r\n\r\n<!-- STEP 4 -->\r\n<div class=\"rtci-step\">\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"dwelling_limit\">Dwelling Coverage: (What It Costs to Rebuild Your Home)<\/label>\r\n    <input type=\"text\" name=\"dwelling_limit\" id=\"dwelling_limit\" required>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"liability_limit\">Liability Limit:<\/label>\r\n    <select name=\"liability_limit\" id=\"liability_limit\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"$100,000\">$100,000<\/option>\r\n      <option value=\"$300,000\">$300,000<\/option>\r\n      <option value=\"$500,000\">$500,000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"hurricane_deductible\">Hurricane Deductible: (% of Dwelling Limit)<\/label>\r\n    <select name=\"hurricane_deductible\" id=\"hurricane_deductible\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"2%\">2%<\/option>\r\n      <option value=\"5%\">5%<\/option>\r\n      <option value=\"10%\">10%<\/option>\r\n      <option value=\"ExWind\">Exclude Wind<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"aop_deductible\">All Other Perils Deductible:<\/label>\r\n    <select name=\"aop_deductible\" id=\"aop_deductible\" required>\r\n      <option value=\"\">Select<\/option>\r\n      <option value=\"$500\">$500<\/option>\r\n      <option value=\"$1000\">$1000<\/option>\r\n      <option value=\"$2500\">$2500<\/option>\r\n      <option value=\"$5000\">$5000<\/option>\r\n      <option value=\"Unsure\">Unsure - Recommend<\/option>\r\n    <\/select>\r\n  <\/div>\r\n\r\n  <div class=\"rtci-row\">\r\n    <label for=\"notes\">Additional Notes:<\/label>\r\n    <textarea name=\"notes\" id=\"notes\" rows=\"4\"><\/textarea>\r\n  <\/div>\r\n\r\n  <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n  <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n<\/div>\r\n\r\n<div style=\"margin-top:12px;font-size:13px;color:#555;line-height:1.5;\">\r\n  Your information stays private and only used for your quote.  \r\n<\/div>\r\n\r\n<\/form>\r\n<\/div>\r\n<\/div>\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  let step = 0;\r\n  const steps    = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  const bar      = document.getElementById(\"rtci-progress-bar\");\r\n\r\n  function updateBar() {\r\n    const total = steps.length;\r\n    bar.style.width = ((step + 1) \/ total * 100) + \"%\";\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(s => s.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    updateBar();\r\n\r\n    const anchor = document.querySelector(\"#quoteform\");\r\n    if (anchor) {\r\n      window.scrollTo({ top: anchor.offsetTop - 20, behavior: \"smooth\" });\r\n    }\r\n  }\r\n\r\n  function validateStep(n) {\r\n    const required = steps[n].querySelectorAll(\"input[required],select[required]\");\r\n    for (let field of required) {\r\n      if (!field.value.trim()) {\r\n        field.style.borderColor = \"red\";\r\n        field.focus();\r\n        return false;\r\n      }\r\n      field.style.borderColor = \"#ccc\";\r\n    }\r\n    return true;\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (!validateStep(step)) return;\r\n      step++;\r\n      if (step >= steps.length) step = steps.length - 1;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      step--;\r\n      if (step < 0) step = 0;\r\n      showStep(step);\r\n    });\r\n  });\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 FIXED: NO SCROLL ON PAGE LOAD\r\n     ------------------------------------------------- *\/\r\n  updateBar();\r\n  steps[0].classList.add(\"rtci-active\");\r\n\r\n  \/* -------------------------------------------------\r\n     \u2b50 SUBMIT LOCK\r\n     ------------------------------------------------- *\/\r\n  const form = document.getElementById(\"rtci-home-form\");\r\n  const submitBtn = document.querySelector(\".rtci-submit\");\r\n\r\n  form.addEventListener(\"submit\", function() {\r\n    submitBtn.classList.add(\"processing\");\r\n    submitBtn.textContent = \"Submitting...\";\r\n    submitBtn.disabled = true;\r\n  });\r\n\r\n});\r\n<\/script>\r\n<\/div>\n<p class=\"style1\" align=\"justify\">For older homes, carriers rely heavily on 4\u2011point inspections to verify the condition of the roof, electrical system, plumbing, and HVAC. Even if a home is structurally sound, outdated or deteriorating systems can lead to underwriting concerns. Carriers want to ensure the home does not pose an elevated risk of fire, water damage, or system failure. More details appear in a <a href=\"https:\/\/www.robertcolucci.com\/four-point-inspection-florida\/\" target=\"_blank\" rel=\"noopener\">Florida 4\u2011point inspection<\/a>.<\/p>\n<p class=\"style1\" align=\"justify\">Roof age is one of the most important factors. Many carriers prefer roofs that are 15 years old or newer, depending on the material. Older roofs may still qualify if they have adequate remaining useful life, but documentation from a licensed inspector is often required.<\/p>\n<p class=\"style1\" align=\"justify\">Electrical systems in older homes are also closely evaluated. Homes with fuse boxes, aluminum wiring, cloth wiring, or certain recalled panels may need upgrades before a carrier will approve coverage. These components have higher failure rates and are associated with increased fire risk.<\/p>\n<p class=\"style1\" align=\"justify\">Plumbing materials are another key factor. Older homes may have galvanized steel or polybutylene pipes, both of which are known for leaks and failures. Carriers often require replacement of these materials to reduce the risk of water damage claims.<\/p>\n<p class=\"style1\" align=\"justify\">HVAC systems in older homes must also meet minimum safety and functionality standards. Systems that are leaking, rusted, or improperly installed may need repairs or replacement before a policy can be issued.<\/p>\n<p class=\"style1\" align=\"justify\">Despite these challenges, many older Florida homes can still qualify for insurance with proper maintenance and documentation. I help homeowners understand what carriers look for and how to prepare their home for a smooth underwriting process.<\/p>\n<p class=\"style1\" align=\"justify\">If you want to check whether your home meets current insurance standards or compare policy options, you can request your quote here:<\/p>\n<p class=\"style1\" align=\"justify\"><a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\"><strong>Get Your Florida Home Insurance Quote<\/strong><\/a><\/p>\n<div style=\"display:flex;flex-wrap:wrap;gap:30px;margin:30px 0\">\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa!important;border-radius:8px!important;border:1px solid #ddd!important\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Coverage &#038; Policy Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-coverage-a-b-c-d\/\" target=\"_blank\" rel=\"noopener\">Coverage A, B, C &#038; D Explained<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-replacement-cost-vs-acv\/\" target=\"_blank\" rel=\"noopener\">Replacement Cost vs ACV<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-ordinance-or-law-coverage\/\" target=\"_blank\" rel=\"noopener\">Ordinance or Law Coverage<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-deductibles\/\" target=\"_blank\" rel=\"noopener\">Home Insurance Deductibles<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-exclusions\/\" target=\"_blank\" rel=\"noopener\">Common Florida Insurance Exclusions<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-discounts\/\" target=\"_blank\" rel=\"noopener\">Florida Home Insurance Discounts<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-explained\/\" target=\"_blank\" rel=\"noopener\">Florida Home Insurance Explained<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/why-florida-insurance-is-different\/\" target=\"_blank\" rel=\"noopener\">Why Florida Insurance Is Different<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa!important;border-radius:8px!important;border:1px solid #ddd!important\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Inspections, Roof &#038; Underwriting Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-four-point-inspection\/\" target=\"_blank\" rel=\"noopener\">4\u2011Point Inspection Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-wind-mitigation-inspections\/\" target=\"_blank\" rel=\"noopener\">Wind Mitigation Inspection<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-roof-age-rules\/\" target=\"_blank\" rel=\"noopener\">Florida Roof Age Rules<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-roof-requirements\/\" target=\"_blank\" rel=\"noopener\">Roof Requirements for Florida Homes<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-home-insurance-claim-inspection\/\" target=\"_blank\" rel=\"noopener\">Claim Inspection Process<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/flood-elevation-certificate-florida\/\" target=\"_blank\" rel=\"noopener\">Flood Elevation Certificates<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-hurricane-deductibles-guide\/\" target=\"_blank\" rel=\"noopener\">Hurricane Deductibles Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/why-florida-homes-need-wind-mitigation\/\" target=\"_blank\" rel=\"noopener\">Why Homes Need Wind Mitigation<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/roof-certification-florida\/\" target=\"_blank\" rel=\"noopener\">Roof Certification<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"flex:1;min-width:280px;max-width:600px;padding:20px;background:#fafafa!important;border-radius:8px!important;border:1px solid #ddd!important\">\n<div style=\"margin-top:0;font-size:20px;font-weight:700;text-align:center\">Florida Buyer, Property &#038; Policy Type Guides<\/div>\n<ul style=\"font-size:16px;line-height:1.6;padding-left:20px\">\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-insurance-for-new-homebuyers\/\" target=\"_blank\" rel=\"noopener\">Insurance for New Homebuyers<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/what-florida-homebuyers-must-know-before-closing\/\" target=\"_blank\" rel=\"noopener\">What Homebuyers Must Know Before Closing<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-second-home-insurance\/\" target=\"_blank\" rel=\"noopener\">Second Home Insurance<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-landlord-insurance-guide\/\" target=\"_blank\" rel=\"noopener\">Landlord Insurance Guide<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-detached-structures-insurance\/\" target=\"_blank\" rel=\"noopener\">Detached Structures Coverage<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/26\/florida-high-value-home-insurance\/\" target=\"_blank\" rel=\"noopener\">High\u2011Value Home Insurance<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho4-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20114 Renters Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho5-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20115 Comprehensive Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/ho6-policy-florida-2\/\" target=\"_blank\" rel=\"noopener\">HO\u20116 Condo Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/2026\/05\/24\/dp3-policy-florida\/\" target=\"_blank\" rel=\"noopener\">DP\u20113 Rental Property Policy<\/a><\/li>\n<li><a href=\"https:\/\/robertcolucci.com\/resources-hub\/\" target=\"_blank\" rel=\"noopener\">Florida Insurance Learning Center \u2192<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>In Florida, the age of your home plays a major role in determining whether a carrier will approve your insurance policy. Older homes often come with outdated systems, higher risk factors, and construction methods that no longer meet modern safety standards. Understanding Florida home age requirements for insurance can help homeowners prepare for underwriting and&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[448,471,472,4,475,474,476,473,449],"class_list":["post-2979","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-4-point-inspection","tag-electrical-system-age","tag-florida-home-age","tag-florida-home-insurance","tag-home-age-requirements","tag-older-homes-insurance","tag-plumbing-age","tag-roof-age","tag-underwriting-requirements"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2979","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2979"}],"version-history":[{"count":4,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2979\/revisions"}],"predecessor-version":[{"id":3453,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2979\/revisions\/3453"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2979"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2979"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2979"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}