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Inspections ยท Archer

Roof inspections in Archer, FL

Mobile homes make up 8.3 percent of housing units in Archer, and they follow the federal HUD code rather than the Florida Building Code. Across the town, 61 percent of homes were built before 1980. A roof inspection tells you the covering, its age and its remaining life.

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Updated October 2026

Cream wooden historical museum building with green trim, covered front porch and a sign reading Archer.
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: Archer FL HS Museum01 by Ebyabe, CC BY 2.5, cropped

Archer figures this page uses

Median year homes were built
1972
Share of homes built before 1980
60.6%
Mobile homes, share of housing units
8.3%
Owner-occupied share of occupied homes
62%

Roof age

Archer homes and the 15-year roof rule

Archer's median home was built in 1972, and 60.6 percent of homes predate 1980. That suggests many roofs here have been replaced at least once, and some may be due again. Alachua County overall sits at 34 percent built before 1980, so Archer skews older.

Florida law gives you a path once a roof reaches 15 years. Your insurer must let you hire an authorized inspector, paid for by you. If that inspector finds 5 or more years of useful life left, the insurer may not refuse or non-renew solely for roof age.

The statute calls the inspector "authorized" only if your insurer accepts that person. Licensed home inspectors, roofing and general contractors, engineers and architects all qualify on the statute's list. Any policy issued or renewed on or after July 1, 2022 falls under this rule. Staff analysis says mobile home policies fall outside it, which matters for the 8.3 percent of Archer homes that are mobile homes.

Inspection scope

What the inspector checks on an older Archer roof

The roof section of the 4-point form records covering material, roof age, remaining useful life, last permit date and whether the roof was replaced in full or in part. It also lists condition and damage. With photos of every slope, the form can replace the separate Roof Inspection Form that Citizens asks for.

  • Cracked, cupped or curled shingles
  • Granule loss that leaves asphalt or felt showing
  • Look for tabs or tiles that have gone missing, worked loose or cracked.
  • Soft spots in the decking
  • Leaks seen from the attic or as ceiling stains

Archer has had 14 local storm reports since 2016, including 10 thunderstorm wind reports and 2 hail reports, with hail up to 1.75 inches. A roof that has taken those hits is worth checking for lifted tabs and bruised shingles.

Timing

When to order an inspection in Archer

Order one before buying an older home, since 61 percent of Archer's housing is pre-1980. Order one before selling, so a buyer's insurer does not surprise you. When a letter from your insurer raises the age of your roof, that is the moment to order one. Citizens asks for 5 years of remaining life on roofs older than 25 years (shingle) or 50 years (tile, metal).

After a storm, note the date of loss. A new claim must reach your insurer within 1 year, and a supplemental claim within 18 months. What your policy pays is a question for your agent, since a roofer may not advise on coverage under Florida Statute 489.147.

Request a roof inspection

Questions

Roof inspections in Archer: questions

Does a roof inspection in Archer need to be done by my insurer's inspector?

Not exactly. Once a roof is 15 years old, you may hire an authorized inspector yourself, and you pay for it. The statute's list includes licensed roofers, general contractors, home inspectors and engineers, but your insurer must accept the person you pick. Archer has 62.0 percent owner-occupied homes, so many households make this call themselves. Ask your insurer or agent which inspectors it takes before you book.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

My Archer home is a mobile home. Do the same roof rules apply?

Mobile homes are 8.3 percent of Archer's housing units, and they follow the HUD code, not the Florida Building Code. According to Senate staff, mobile home policies sit outside the 15-year roof rule. Citizens still requires a 4-point inspection on mobile homes more than 20 years old. Your own insurer or agent can tell you how your policy treats roof age.

Source: 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

Related: Roof inspections

How long is a wind mitigation inspection good for?

The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026. It stays valid for up to five years if the structure has no material changes and the form has no errors. It records the roof deck attachment, roof-to-wall connections and roof shape, which are attic items you cannot see from the ground. Ask your insurer how it applies any credit.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Will a roofer inspect my Archer roof after hail or wind?

Yes, a roofer can check the roof itself. Archer's storm record includes golf-ball-size hail near Highway 41 on April 26, 2023. Under Florida Statute 489.147, a roofer may not offer anything of value in exchange for an inspection, and may not advise you on coverage. Your insurer or agent answers coverage questions.

Source: NOAA NCEI Storm Events Database, event 1092179 (Hail, 2023-04-26, zone/county ALACHUA), bulk details file, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Archer

Sources for this page(38)
  1. 1.Median year homes were built: 1972. 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.
  2. 2.Share of homes built before 1980: 60.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.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.
  5. 5.Hurricane Irma (2017). 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). Read Oct 5, 2026.
  6. 6.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1051050 (Tropical Storm, 2022-09-29, zone/county EASTERN ALACHUA), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 8.3%. 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.
  8. 8.NOAA NCEI Storm Events Database bulk details files 2016-2025 (operator count by BEGIN_LOCATION; event ids: 692330, 715410, 738690, 781977, 815251, 897810, 979667, 960392, 1043520, 1068519, 1092179, 1244534). Read Oct 5, 2026.
  9. 9.NOAA NCEI Storm Events Database, event 1092179 (Hail, 2023-04-26, zone/county ALACHUA), bulk details file. Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 62.0% (281 of 453 occupied units). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  14. 14.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
  21. 21.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 (via Census Reporter). Read Oct 5, 2026.
  22. 22.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 (via Census Reporter). Read Oct 5, 2026.
  23. 23.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.
  24. 24.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.
  25. 25.NOAA NCEI Storm Events Database, event 1051050 (Tropical Storm, 2022-09-29, zone/county EASTERN ALACHUA), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.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 (via Census Reporter). Read Oct 5, 2026.
  27. 27.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 (via Census Reporter). Read Oct 5, 2026.
  28. 28.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  30. 30.NOAA NCEI Storm Events bulk files 2016-2025 (operator count), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Archer 2020 Census internal point (29.5458, -82.5170), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Archer 2020 Census internal point (29.5458, -82.5170), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.City of Archer, History page (read via WebFetch), cityofarcher.com. 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 (HU100), U.S. Census Bureau. Read Oct 5, 2026.
  36. 36.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  37. 37.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  38. 38.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 (via Census Reporter). Read Oct 5, 2026.

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Roof inspections in Archer

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