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Inspections ยท Melbourne Village

Roof inspections in Melbourne Village, FL

Melbourne Village has no mobile homes at all, by the Census count, so every roof here is on a site-built house. Those houses are old: 78.6 percent were built before 1980. Many original roofs have likely been replaced already, and an inspection tells you how much life the current one has left.

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Updated October 2026

White wooden community hall with green awnings and pine trees, under a pale sky.
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: Original Melbourne Village Hall Front 2 by Leonard J. DeFrancisci, CC BY-SA 3.0, cropped

Melbourne Village figures this page uses

Median year homes were built
1963
Share of homes built before 1980
78.6%
Owner-occupied share of occupied homes
89%
Median age
60yrs

Roof age

Why the 15-year line matters in Melbourne Village

The median home here was built in 1963, against 1988 countywide. The sample is small, with a margin of error of 4 years, but it points the same way as the 78.6 percent built before 1980. That suggests many roofs in town are well into the age range where insurers ask questions.

Florida law sets the line at 15 years. An insurer may not refuse or non-renew a homeowner policy solely because the roof is under 15 years old. When your roof hits the 15-year mark, you can bring in an authorized inspector, paying for the visit yourself, and your insurer has to allow it. A report showing 5 or more years of remaining life takes age off the table as the sole reason to drop you.

With 89 percent of occupied homes owner-occupied and a median age of 60, most people reading this own the roof and will be the ones asked for the paperwork.

Inspection scope

What a roof inspection checks

An inspection follows what the insurer forms ask. The roof section of the 4-point form notes the material, age, remaining life, last permit date and how much was replaced. Citizens asks for that form on properties past 20 years of age, and in a town with a 1963 median build year, that covers most houses.

  • Cracking, curling or cupping of the covering
  • Asphalt or felt left exposed after heavy granule loss
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Leaks you can see in the attic and on ceilings inside the home

OIR-B1-1802 is the form for a wind mitigation inspection, and it is filed apart from the roof report. It looks at attic items you cannot see from the ground, such as deck attachment and roof-to-wall connections, and stays valid for up to five years if nothing material changes.

Timing

When to order an inspection

Order one before you buy or sell, when your insurer sends a roof-age letter, or after a storm. Brevard County took Hurricane Irma in 2017, with over 7,132 homes damaged, and Hurricane Matthew in 2016, where damage generally involved roof shingles and soffits.

Notice of a new or reopened claim must reach your insurer within 1 year of the loss, so a prompt look matters. Ask your insurer or agent what your policy pays for. Florida law also bars roofers from soliciting claims or advising on coverage.

If the inspection leads to repair or replacement, the town's permit office is the place to start, since roofing here needs a permit and review takes about 7 days. Confirm current steps with the town.

Request a roof inspection

Questions

Roof inspections in Melbourne Village: questions

Does my insurer have to accept my roof if it is over 15 years old?

Not automatically, but it must give you a path. Your insurer has to let an authorized inspector examine a roof that is 15 years or older, and the cost of that visit falls on you. A report showing at least 5 years of useful life remaining means the insurer cannot decline or non-renew you on the basis of roof age alone. With 78.6 percent of Melbourne Village homes built before 1980, this rule reaches many owners. Ask your insurer or agent which inspectors it recognizes.

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

Related: Roof inspections

What does the roof section of the 4-point form record?

It records the covering material, roof age, remaining useful life, date of the last roofing permit and update, how much was replaced, and overall condition. It also lists damage items such as cracking, curling, granule loss and leaks. Each roof slope needs its own photos attached to the report. Melbourne Village's median home dates to 1963, so many owners here may be asked for it.

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

Who can do a roof inspection for my insurer?

Your insurer has to approve whoever does the inspection. Under Florida law the qualifying group includes licensed home inspectors, building code inspectors, licensed contractors, professional engineers and architects. In Melbourne Village, where 89 percent of occupied homes are owner-occupied, the owner usually pays for it, so confirm the inspector with your insurer before you hire anyone.

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

Related: Roof inspections

Do I need a permit if the inspection leads to a repair?

Probably yes. The town's permit page says roofing is not exempt under HB 803, a permit stays valid for one year, and review takes about 7 days. Melbourne Village covers only 0.6 square miles, so the permit office is close by. Confirm your specific job with the town before work starts.

Source: Town of Melbourne Village, Permits, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Melbourne Village

Sources for this page(29)
  1. 1.Median year homes were built: 1963. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 78.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. 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.Owner-occupied share of occupied homes: 89%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Median age: 60. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  8. 8.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  9. 9.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  10. 10.Town of Melbourne Village, Permits. Read Oct 5, 2026.
  11. 11.Permit office: Town of Melbourne Village Permits. Town of Melbourne Village Permits. Read Oct 10, 2026.
  12. 12.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.
  13. 13.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.OIR form. Read Oct 4, 2026.
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 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 Matthew (2016), National Weather Service. Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  25. 25.Town of Melbourne Village Permits, Town of Melbourne Village Permits. Read Oct 5, 2026.
  26. 26.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Melbourne Village 2020 Census internal point (28.0880, -80.6651), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Melbourne Village 2020 Census internal point (28.0880, -80.6651), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Melbourne Village

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