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Inspections ยท Grant-Valkaria

Roof inspections in Grant-Valkaria, FL

Mobile homes are only 1.9 percent of Grant-Valkaria's housing units, so most roofs here follow the Florida Building Code, not the HUD code. Many are shingle roofs on homes from the late 1990s. That makes the 15-year insurer rule a real question for you.

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Updated October 2026

A covered wooden fishing pier extends over calm water, with a few small distant visitors standing near its end.
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: Indian River Lagoon National Scenic Byway - Covered Pier on Indian River Lagoon by A. E. Crane, U.S. Department of Transportation, Public domain, cropped

Grant-Valkaria figures this page uses

Median year homes were built
1997
Share of homes built before 1980
20.4%
Owner-occupied share of occupied homes
97.4%
Median age
59.7yrs

Housing age

How old are the roofs in Grant-Valkaria?

The median home here was built in 1997, against 1988 countywide. That is a median for homes, not roofs, so it tells you nothing about any one roof. It does show that a good share of the town's housing is newer than most of Brevard County.

Age still splits the town. About 20.4 percent of homes were built before 1980, while 20.8 percent went up in 2010 or later. If you own one of the older homes, ask when the roof was last replaced and look for the permit date.

Nearly all homes here are owner-occupied, at 97.4 percent. The median age is 59.7 years. That suggests many roof decisions are made by long-term owners who pay for the inspection themselves.

Florida rules

The 15-year roof rule and your insurer's roof questions

Florida's roof-age statute, 627.7011(5), protects roofs under 15 years old from being refused for age alone. Once your roof reaches 15 years, your insurer must allow an authorized inspector you hire to examine it. If that report shows 5 or more years of useful life, age alone cannot be the reason for refusal or non-renewal.

The roof section of the 4-point form records the covering, roof age, remaining useful life and date of the last roofing permit. It also notes any partial replacement, overall condition and a damage list. Photos of each slope are expected. Citizens asks for this form on homes more than 20 years old.

Citizens also wants documented proof of five years of remaining life for shingle roofs older than 25 years. For tile, slate and metal roofs, the benchmark is a 50-year line. What your own policy requires is something your agent or insurer can confirm for you.

Inspection timing

Inspector focus areas, plus good times to schedule one

The inspector walks the slopes and the attic, noting cracking, curling, granule loss, exposed felt, loose tabs, soft decking and leaks. A wind mitigation form also covers attic items, namely deck nailing, roof-to-wall connectors and any sealed roof deck. You cannot see those from the driveway.

Book one before you buy or sell, after an insurer's roof-age letter, or after a storm. Brevard County saw Irma in 2017, with more than 7,132 homes damaged and roof and shingle damage from eight tornadoes. A post-storm check also helps you meet the claim notice deadline of 1 year from the date of loss.

Be careful with unsolicited offers. Fla. Stat. 489.147 bars a roofer from offering you anything of value for an inspection or from advising you on coverage. Roof permits come from the Building Department of the Town of Grant-Valkaria.

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Questions

Roof inspections in Grant-Valkaria: questions

Does my roof need an inspection if it is over 15 years old?

No Florida law orders one, though you hold the right to request one. Under Fla. Stat. 627.7011(5), an insurer must allow an authorized inspector, paid by you, to check a roof 15 years or older. If the report shows 5 or more years of useful life, the insurer cannot refuse or non-renew you for age alone. Whether your insurer sends a letter is up to the insurer, so call your agent.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

Who counts as an authorized inspector in Florida?

Your insurer has to accept the inspector. Qualifying inspectors under the statute include a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. Other kinds of professionals may also count as qualified in your insurer's eyes. In Grant-Valkaria, where 97.4 percent of occupied homes are owner-occupied, you are the one choosing and paying, so confirm with your insurer first and check a contractor's license through the state.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

How long is a wind mitigation inspection good for?

April 1, 2026 is when the current form, OIR-B1-1802 (Rev. 04/26), took effect. It stays valid for up to five years if the structure has not materially changed and the form has no inaccuracies. The form documents the building code era, roof covering, deck attachment, roof-to-wall connections and opening protection. For a Grant-Valkaria home built in 1997, the code era entry is worth checking against the permit record.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Can I get a free roof in Florida?

No contractor may legally dangle one. Fla. Stat. 489.147 bars roofers from offering anything of value, including a deductible waiver, for a roof inspection or a claim. A state program, My Safe Florida Home, offers matching grants for some owner-occupied homes, and the statute says it creates no entitlement. In Grant-Valkaria, 97.4 percent of occupied homes are owner-occupied, so it may be worth reading the rules.

Source: Fla. Stat. 489.147-, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Grant-Valkaria

Sources for this page(37)
  1. 1.Median year homes were built: 1997. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  3. 3.Town of Grant-Valkaria, History. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  5. 5.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  6. 6.Share of homes built before 1980: 20.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 97.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  9. 9.Median age: 59.7. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  11. 11.Permit office: Town of Grant-Valkaria Building Department. Town of Grant-Valkaria Building Department. Read Oct 10, 2026.
  12. 12.Mobile homes, share of housing units: 1.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.OIR form. Read Oct 4, 2026.
  20. 20.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  21. 21.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  24. 24.Town of Grant-Valkaria Building Department, Town of Grant. Read Oct 5, 2026.
  25. 25.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  26. 26.Florida Statutes, section 215.5586 (2026), Florida Legislature. Read Oct 4, 2026.
  27. 27.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  28. 28.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  30. 30.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  31. 31.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  32. 32.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  33. 33.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Grant-Valkaria 2020 Census internal point (27.9343, -80.5659), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Grant-Valkaria 2020 Census internal point (27.9343, -80.5659), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  37. 37.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count), U.S. Census Bureau. Read Oct 5, 2026.

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Roof inspections in Grant-Valkaria

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