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Inspections ยท Indialantic

Roof inspections in Indialantic, FL

Indialantic has no mobile homes: 0 percent of its housing units, against 7.2 percent countywide. Every roof here follows the Florida Building Code, and 74.2 percent of the homes went up before 1980. If your house is in that group, an inspection tells you what is left on the roof.

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Updated October 2026

Green park sign reading James H. Nance Park on a stone base beside tall palm trees and a lawn.
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: James H Nance Park Indialantic FL 2025-02-14 09-14-48 1 by G. Edward Johnson, CC BY 4.0, cropped

Indialantic figures this page uses

Median year homes were built
1969
Mobile homes, share of housing units
0%
Share of homes built before 1980
74.2%

Housing age

How old are Indialantic roofs?

The median Indialantic home was built in 1969, while the countywide median is 1988. That is a 19-year gap. A 1969 house has almost certainly had its roof replaced at least once. That suggests many roofs here are replacements, and some of them may be past 15 years.

Age matters because of Florida's 15-year rule. An insurer may not refuse or non-renew your policy solely because the roof is under 15 years old. When your roof is 15 years old or more, you have the right to bring in an authorized inspector, and the cost falls on you rather than the insurer. Should the inspector report 5 or more years of useful life remaining, the insurer cannot decline coverage or non-renew based only on the roof's age.

Your insurer has to approve the inspector. The statute lists home inspectors, building code inspectors, licensed contractors including roofers, engineers and architects. Ask your insurer which names it accepts before you pay anyone.

Inspection scope

What a roof inspector actually checks

The inspector works from the insurer's forms. On the 4-point form, the roof portion captures the covering material, the roof's age, its remaining useful life, when the last roofing permit was pulled, and whether the replacement was full or partial. Insurers such as Citizens require this 4-point inspection for properties more than 20 years old.

  • Cracking, curling or cupping of shingles
  • Heavy granule loss, with asphalt or felt showing through
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Signs of a leak may show up as stains on your ceilings or as damp spots in the attic.

Wind mitigation is documented on its own form, OIR-B1-1802, which is not part of the 4-point. It looks at attic items you cannot see from the ground: roof deck attachment, roof-to-wall connections and any sealed roof deck. The form stays valid for up to five years if nothing material changes on the house.

Timing

When to order an inspection in Indialantic

Schedule it ahead of a purchase or sale, or after your insurer mails you a notice about the age of your roof. Citizens asks for documentation of at least five years of remaining useful life once a shingle roof passes 25 years. The same threshold is 50 years for tile or metal.

Also order one after a storm. In Hurricane Irma in 2017, an EF-1 tornado came ashore in Indialantic and damaged shingles and soffits on several homes. Hurricane Matthew in 2016 left shingle and soffit damage across Brevard County. Insurers set a 1-year deadline to report a new claim, so do not wait on visible damage.

If the inspection leads to a re-roof, the Town of Indialantic handles those permits through its online system. Confirm current steps with the Building Department. On coverage questions, talk to your insurer or agent. Florida law bars roofers from advising on what a policy covers.

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Questions

Roof inspections in Indialantic: questions

Does Florida require a roof inspection when the roof turns 15?

No law forces you to get one. The 15-year rule works the other way. When a roof is 15 years or older, your insurer must allow you to have an authorized inspector check it at your own expense. A report showing at least 5 years of useful life remaining means the insurer cannot turn you down or non-renew on roof age alone. In Indialantic, where 74.2 percent of homes predate 1980, many owners may be in this position.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034, read Oct 5, 2026

Related: Roof inspections

Who can inspect my Indialantic roof for my insurer?

Your insurer must approve the inspector, who can be a licensed home inspector, a building code inspector, a licensed contractor including a roofing contractor, an engineer or an architect. The statute also lets an insurer accept anyone else it recognizes as qualified. Before hiring, call your insurer or agent and ask for its list. Citizens' roof form, for example, must be signed by a contractor, building code inspector or licensed home inspector, with photos of each roof slope. Keep in mind that the median home in Indialantic was built in 1969, so many roofs here have been replaced at least once and an inspector will look closely at age and condition.

Source: Town of Indialantic, Building Department, read Oct 5, 2026

Related: Roof inspections

What is the roof part of the 4-point inspection?

It is the roof section of a form Citizens requires for properties more than 20 years old. The inspector records the covering material, roof age, remaining useful life, the last roofing permit, full or partial replacement and overall condition. The median home in Indialantic dates to 1969, so the form comes up often here. Damage is listed there too, including curling shingles, lost granules, soft decking and leaks in the attic.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035, read Oct 5, 2026

Related: Roof inspections

Should I get a roof inspection after a storm in Indialantic?

Yes, if you see missing shingles, soffit damage or ceiling stains. An EF-1 tornado hit Indialantic during Hurricane Irma in 2017 and damaged shingles and soffits on several homes. Florida bars a new property claim unless the insurer gets notice within 1 year of the date of loss. Take photos, then call your insurer or agent about the claim itself.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Indialantic

Sources for this page(30)
  1. 1.Median year homes were built: 1969. 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.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.
  4. 4.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  5. 5.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  6. 6.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  7. 7.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  8. 8.Town of Indialantic, Building Department. Read Oct 5, 2026.
  9. 9.Permit office: Town of Indialantic Building Department. Town of Indialantic Building Department. Read Oct 10, 2026.
  10. 10.Mobile homes, share of housing units: 0%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Share of homes built before 1980: 74.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  13. 13.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  14. 14.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  16. 16.Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  18. 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  19. 19.OIR form. Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  21. 21.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  22. 22.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  23. 23.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  25. 25.Town of Indialantic Building Department, indialantic.com. Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Indialantic 2020 Census internal point (28.0862, -80.5683), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Indialantic 2020 Census internal point (28.0862, -80.5683), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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