FL Insurance WatchGot a Florida Home Insurance Nonrenewal Notice? What the Law and Data Say
Rates are coming down in Florida, but a nonrenewal letter can still show up in your mailbox. Citizens has been sending them as part of its depopulation program, and private insurers nonrenew policies every month too. Here's what the latest state data shows, what Florida law says the notice has to include, and what to check before your policy runs out.
How common are nonrenewals right now?
Our who's writing tracker is built from OIR's Monthly Market Intelligence Report (MIR) for July 2026. For owner-occupied homeowners policies (not condos, renters or dwelling-fire), insurers reported 4,200,810 policies in force as of July 31, 2026. During July they reported 13,025 nonrenewals, 54,300 cancellations and 69,366 new policies written. OIR notes MIR data is self-reported by insurers and not audited, and the report doesn't break out the reasons behind those numbers.
The insurers reporting the most owner-occupied homeowners nonrenewals in July:
- Monarch National: 1,383 nonrenewed, out of 97,007 policies in force
- Southern Oak: 1,073 nonrenewed, out of 107,304
- Universal Property & Casualty: 1,027 nonrenewed, out of 236,100
- Mangrove: 757 nonrenewed, out of 46,700
- Kin Interinsurance Network: 668 nonrenewed, out of 107,878
Even at the top of the list, that's a small slice of each company's book in a single month. A big number here doesn't tell you why policies were nonrenewed, so treat it as context, not a verdict on any company.
Citizens reported 394 nonrenewals on its owner-occupied homeowners policies in July. Separately, Beinsure reported on September 4, 2026 that Citizens had sent about 45,000 nonrenewal notices as it keeps shrinking its policy count, and that those homeowners have about a year to find new coverage. If you're a Citizens customer, our Citizens takeouts tracker shows which private companies have been approved to make offers.
What Florida law says about the notice
Section 627.4133, Florida Statutes sets the notice rules for residential property policies. In general, the insurer must give the first-named insured written notice of nonrenewal at least 120 days before it takes effect, and the notice must include the reason. The statute lists some exceptions to that timeline, so read your notice carefully. The same section requires at least 45 days' advance written notice of your renewal premium.
The statute also limits what can be used as a reason. Claims that come from an act of God, like a hurricane, can't be used as a cause for nonrenewal unless the insurer can show you failed to take reasonably necessary action it asked for to prevent the damage from happening again.
The roof-age rule
Roofs are behind a lot of Florida nonrenewals. Under Section 627.7011, an insurer can't refuse to renew a homeowners policy solely because the roof is less than 15 years old. For a roof that's at least 15 years old, the insurer must let you get an inspection by an authorized inspector, at your own expense, before it requires a replacement, and it can't refuse to renew solely because of roof age if that inspection shows at least five years of useful life left.
It's worth confirming the roof age your insurer has on file. Live Insurance News reported on research from the analytics firm ZestyAI finding that 67% of homeowner-reported roof ages differed from verified roof ages by at least three years. If your records are wrong, a permit or a roofer's invoice may help sort it out.
The good news: more carriers are cutting rates
Shopping after a nonrenewal is easier than it was a couple of years ago. OIR's October 29, 2026 release says more than 824,300 Florida homeowners will get rate decreases on new policies or renewals this month, with more decreases pending for November, December and January. You can follow the approved ones on our rate changes tracker.
What to check if you get a notice
- Find the effective date and the reason. Count back and make sure you got the notice period the law requires.
- Ask if the reason can be fixed. If it's the roof, an inspection or updated records might change the answer. Ask your agent or insurer.
- Start shopping early. Don't wait for the last month. Our who's writing tracker shows which companies are writing new policies.
- Compare quotes line by line. Look at the hurricane deductible, the all-other-perils deductible and how the roof is covered.
- Don't let coverage lapse. Line up the new policy to start the day the old one ends, especially if you have a mortgage.
This post is general information, not legal or insurance advice. Confirm your situation with your agent, your insurer, Citizens, or the Florida Office of Insurance Regulation. Florida's insurance consumer helpline at the Department of Financial Services is another place to ask questions.
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Not insurance, legal or financial advice. Confirm details with your insurer, a licensed agent or the Florida Office of Insurance Regulation.