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Inspections ยท Alachua

Roof inspections in Alachua, FL

One Alachua resident in five is 65 or older (19.6%, against 15.3% countywide), and the median house here dates to 1996. When a renewal letter asks about the roof, an inspection answers with facts: the roof's age, its condition and how many useful years it has left.

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Updated October 2026

Historic brick storefronts with awnings line a quiet street under overcast skies.
Top-down drone view of a gray-blend shingle roof with ridges, valleys and roof vents, lawn on both sides and a white fence at the left edge.Our work
Photo: Main St buildings, Alachua by Michael Rivera, CC BY-SA 4.0, cropped

Alachua figures this page uses

Residents 65 and older
19.6%
Median year homes were built
1996
Mobile homes, share of housing units
3.9%

Local know-how

What Alachua owners get asked at renewal

Florida's 15-year roof rule, Fla. Stat. 627.7011(5), bars an insurer from refusing or non-renewing a home policy solely because a roof is younger than 15 years. For an older roof, you may have an inspector the insurer accepts check it at your expense; if that report shows at least five years of useful life left, age alone cannot end the policy. The rule covers policies issued or renewed since July 1, 2022, and it does not reach mobile home policies, which matters for the 3.9% of Alachua homes that are mobile homes.

Citizens adds lines of its own: a 4-point inspection for homes over 20 years old, and proof of five more years of life for shingle roofs past 25 or tile and metal roofs past 50. A house built in 1996 crossed that 20-year line in 2016.

On the roof

What an inspector looks at here

A roof inspection for an insurer follows the form. The 4-point's roof section asks for the covering, its age and remaining life, the last roofing permit and any partial replacement, plus a damage list running from cracking and curling to granule loss, exposed felt, soft decking, hail marks and attic leaks. The wind mitigation form, OIR-B1-1802, sends the inspector into the attic for deck nailing, roof-to-wall connections and signs of a sealed deck.

Alachua's recent storms give inspectors reasons to look closely: Debby flooded homes in the city in 2024, and Helene's gusts reached 66 mph at UF a few weeks later.

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Questions

Roof inspections in Alachua: questions

How often should an older Alachua roof be inspected?

Twice a year, fall and spring, is NRCA's guidance, plus after any big storm. For an Alachua house built around 1996, the city's median year, the roof's own age matters more than the house's: once a roof reaches 15 years, the insurer must let the homeowner have an authorized inspector check it at the homeowner's expense, and may not refuse or non-renew solely for age if the inspection shows at least five years of useful life left. A spring check also lands before hurricane season opens on June 1, while any repair it finds can still be scheduled calmly.

Source: National Roofing Contractors Association, read Oct 5, 2026

Related: Roof inspections

What does a 4-point inspection check on my Alachua home?

Four systems: electrical, plumbing, HVAC and the roof. Citizens requires one for homes more than 20 years old, which takes in at least half of Alachua's homes, given a 1996 median build year. The roof section records the material, age, remaining life, last permit and condition, and with photos of every slope it can replace Citizens' separate roof form. Other insurers set their own rules, so ask your agent first.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: FAQ

Is a wind mitigation inspection worth it in Alachua?

It can be. Florida law requires insurers to offer discounts for features that reduce wind loss, such as roof deck attachment, roof-to-wall connections and a sealed roof deck, and to describe them on their websites. The state's notice says those discounts apply only to the hurricane-wind part of a policy and are not added together. A completed OIR-B1-1802 lasts up to five years. Alachua County has drawn hurricane disaster declarations every few years since Hermine in 2016, so ask your agent what the form could change.

Source: Florida Statutes, section 627.0629 (2026), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Alachua

Sources for this page(38)
  1. 1.Residents 65 and older: 19.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.Median year homes were built: 1996. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.Mobile homes, share of housing units: 3.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.NWS Jacksonville, County Impacts narratives (Post Tropical Cyclone Report). Read Oct 5, 2026.
  5. 5.Residents 65 and older: 15.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  6. 6.Hurricane Helene (2024). NWS Jacksonville, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  7. 7.Hurricane Hermine (2016). NOAA NCEI Storm Events Database, event 657954 (Tropical Storm, 2016-09-02, zone/county ALACHUA), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  11. 11.Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.OIR form. Read Oct 4, 2026.
  14. 14.National Roofing Contractors Association. Read Oct 5, 2026.
  15. 15.NOAA NHC. Read Oct 5, 2026.
  16. 16.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  18. 18.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  23. 23.NWS Jacksonville, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), National Weather Service Jacksonville. Read Oct 5, 2026.
  24. 24.NOAA NCEI Storm Events Database, event 657954 (Tropical Storm, 2016-09-02, zone/county ALACHUA), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  27. 27.City of Alachua, Historic Main Street page (read via WebFetch), City of Alachua. Read Oct 5, 2026.
  28. 28.National Park Service NPGallery NRHP record (listing date from Wikipedia county NRHP list), National Park Service. Read Oct 5, 2026.
  29. 29.City of Alachua Building Division, official page, City of Alachua. Read Oct 5, 2026.
  30. 30.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  31. 31.Alachua County Growth Management - Building Division, official page, Alachua County. Read Oct 5, 2026.
  32. 32.NOAA NCEI Storm Events Database, event 720358 (Tropical Storm, 2017-09-10, zone/county ALACHUA), bulk details file; NHC TCR AL112017; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.NHC TCR AL042024; NWS Jacksonville, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  34. 34.NWS Jacksonville, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), National Weather Service Jacksonville. Read Oct 5, 2026.
  35. 35.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 26 (2020 Census count), U.S. Census Bureau. Read Oct 5, 2026.
  36. 36.FBC-B 2023 Ch. 1, Florida Building Commission (code text via viewer). Read Oct 5, 2026.
  37. 37.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  38. 38.Florida Statutes, section 553.844 (2026), Florida Building Commission (code text via viewer). Read Oct 5, 2026.

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Roof inspections in Alachua

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