Florida is referred to as the Sunshine State, but don’t let the term fool you. As any Floridian knows, our state has more than its fair share of adverse weather conditions. Whether rain, wind gusts, and even hail, Florida homes can take a beating and the majority of that beating falls squarely on roof of our homes. For this reason, homeowner’s insurance companies put a great deal of scrutiny on roof conditions before insuring a home. Insurance companies acquire and analyze a large amount of detailed data regarding how long roofs last and what the most common causes of damage are. Unfortunately, the results aren’t exactly cut & dry. While cause and age may be isolated, the rating basis for homeowner’s insurance carriers is commonly dictated by the type of roofs and how effective they have been in the past.