Roof before solar: when to replace it first (Florida 2026)

If your asphalt shingle roof is over 10 years old, replace it before putting up panels. Solar systems last 25-30 years per EnergySage, and an old roof will not keep up; removing and reinstalling panels to replace the roof later costs about $200-300 per panel and can exceed $7,000. In Florida the law adds weight: with a roof 15 years or older the insurer can require an inspection, and if it has under 5 years of life left the insurer can decline to renew the policy.

Why does the roof come before the panels?

Three reasons that stack:

1. Mismatched lifespans. EnergySage puts panels at 25-30 years and asphalt shingles at about 30 on a national average; InterNACHI warns that hot climates drastically reduce asphalt shingle life. In Florida, a 12-year-old roof has less ahead of it than the panels will last.
2. Remove-and-reinstall cost. When the roof fails with panels on top, someone has to remove them, wait for the roofer, and mount them again. EnergySage: about $200-300 per panel, and in total it can exceed $7,000. That money produces zero kWh.
3. Insurance. In Florida, statute 627.7011 lets the insurer require an inspection of a roof 15 years or older; if the inspector certifies 5 or more years of useful life, they cannot refuse the policy solely for age. Under 5 years, they can. A roof the insurer will not cover is a roof where you cannot finance panels.

What type of roof do you have and what changes?

Ranges are general guidance from the cited sources; the real condition is decided by an inspection. Details in roof lifespan in Florida.

What does a pre-solar roof inspection check?

• Real age (county roof permit, not the salesperson’s memory).
• Shingle condition: granule loss, lifted edges, soft spots.
• Deck attachment and roof-to-wall connections: the same items a wind mitigation inspection looks at (Florida form OIR-B1-1802, valid up to 5 years).
• Secondary water resistance membrane under the shingles: if missing, a roof replacement is the moment to add it and earn an insurance discount.
• Ventilation and attic condition, including insulation.

Heads up: the solar industry has an incentive to tell you your roof “is fine.” Every month of waiting is a sale going cold. My Home Solutions does not sell roofs, and we gain nothing by installing on a roof that will not last the term. With a 12-year-old roof, the honest answer is almost always “roof first,” even if it means the solar install slips a few months.

What if you go with the solar subscription instead of buying?

The roof still decides. The My Home Solutions subscription, for Central Florida homes, requires a shingle roof with useful life left. It does not accept clay or concrete tile, metal or ground-mounted systems. The roof is checked before installation.

In exchange, the roof risk does not fall on you:

It is one of the few structures where you do not pay to take the system down and put it back. But the included removal is one per term: if your shingle roof is at the end of its life, it still makes sense to replace it before you start.

When replacing the roof first does NOT make sense

• The roof is under 8-10 years old, an independent inspection confirms it and there is no damage: install and move on.
• It is standing seam metal in good condition: it outlasts the panels.
• You will sell the house within two years: a new roof helps the sale, but neither the roof nor the panels pay back in that window.
• The budget does not cover both: do the roof, check whether you qualify for the state My Safe Florida Home program, and leave solar for later. Never the reverse.

What to check before you decide

• Date of the last roof permit on your county’s portal.
• A written report from an independent roofer with estimated years of life and photos.
• Your policy: what the insurer requires on roofs and whether a wind mitigation discount is pending.
• If doing roof and solar together: a single written warranty covering the panel penetrations.
• How the roof-and-panel assembly behaves in storm season: read solar and hurricanes in Florida.