<prompt> Human: My wife and I are looking for a home to purchase in Florida. The problem is, a lot of the homes in our price range were built in the early 90s and have the original roofs. We recently learned that the majority of companies will not give you insurance if the roof is older than 15 years. This is a HUGE problem, as it basically eliminates room for negotiating price when we have to request a new roof be put on. I did hear some companies only request a qualified roofing company inspect it and certify it for at least 5 years. Does anyone know the names of insurance companies that will take an inspection cert instead of having to put a new roof on?  <response>: Dont buy a house with an old roof, youll regret it and end up paying for it one way or another. The insurance agencies are right not to cover a house, in Florida especially, with an outdated roof. It rains all the time and you are definitely in hurricane zone, an old roof will fail at some point. Look at newer houses or ones that have been properly maintained with new roofing. 