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Inspections ยท Palm Shores

Roof inspections in Palm Shores, FL

In Palm Shores, 15.7 percent of housing units are mobile homes, more than double the 7.2 percent countywide. That mix changes what a roof inspection means for you. Site-built homes follow one set of insurer rules. Mobile homes follow another, so start with what you live in.

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Updated October 2026

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.

Palm Shores figures this page uses

Median year homes were built
1997
Share of homes built before 1980
12.5%
Mobile homes, share of housing units
15.7%
Owner-occupied share of occupied homes
87.8%

Housing age

How old are Palm Shores roofs?

The median Palm Shores home was built in 1997, against 1988 countywide. Only 12.5 percent of homes here predate 1980, while 21.3 percent went up in 2010 or later. Those homes are younger than most in Brevard County, but a median build year says nothing about the roof itself.

Many roofs on 1,997 homes have likely been replaced since, and some have not. Under Florida's 15-year rule, an insurer must let you have an authorized inspector check a roof that age or older, at your expense. It may not refuse or drop you solely for age if the report shows 5 or more years of useful life left.

Mobile homes are treated differently. Legislative staff reading of the 15-year section says it leaves mobile home policies out. If yours is one of the Palm Shores mobile homes, ask your insurer or agent which roof papers it wants.

Insurer forms

What the insurer forms ask about the roof

Citizens requires a 4-point inspection for properties more than 20 years old, and that includes mobile home applications. The roof section records the covering material, roof age, remaining useful life, last permit date, and whether a replacement was full or partial.

The same form lists damage the inspector must look for: curling, granule loss, missing or cracked tabs, soft decking, and leaks in the attic or on ceilings. Citizens also wants proof of at least five years of remaining life on shingle roofs over 25 years old.

A wind mitigation form is separate. It asks about roof shape, deck attachment and roof-to-wall connections, items in the attic you cannot see from the yard. The current form is OIR-B1-1802, valid up to five years if nothing about the structure changes.

Timing

When to order a roof inspection

  • Ahead of a purchase or sale, so the roof's condition is on paper before closing day.
  • After your insurer writes about the age of your roof.
  • Following a storm, to record damage before any repair starts.
  • Before a renewal, when the roof is 15 years or older.

Brevard County saw roof and shingle damage from Hurricane Matthew in 2016 and Hurricane Irma in 2017, which damaged over 7,132 homes. Roofs that took those winds may carry hidden wear.

Watch the clock after a loss. A new claim is barred unless the insurer gets notice within 1 year of the loss date. Tell your insurer or agent what your policy requires.

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Questions

Roof inspections in Palm Shores: questions

How do I find out the wind speed rating for my Palm Shores address?

Brevard County posts building-code wind speed maps by risk category, searchable by address, for permitting. The wind mitigation form also uses the design wind speed from ASCE 7-22 to place a home in Region 1 (at least 140 mph), Region 2 (130-139 mph) or Region 3 (under 130 mph). Look up your address on the county maps, and ask the inspector which region your home falls into.

Source: Brevard County, Building Code Wind Speed Maps, read Oct 5, 2026

Related: Roof inspections

Does the 15-year roof rule apply to my mobile home in Palm Shores?

Florida's 15-year roof rule is in Fla. Stat. 627.7011(5), and nothing in the text given to me says it covers or excludes mobile home policies, so ask your insurer how your policy is treated. When your roof has reached 15 years or more, the insurer is required to let an authorized inspector examine it, and you cover the cost of that visit. Roof age alone cannot be the reason for a refusal or non-renewal when the inspection finds the roof has 5 or more years of useful life remaining. About 15.7 percent of Palm Shores housing units are mobile homes, so many owners here ask this.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024, read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for the insurer?

Under Fla. Stat. 627.7011(5), the inspector must be accepted by your insurer and be one of these: a home inspector, a building code inspector, a general, building, residential or roofing contractor, an engineer, an architect, or someone the insurer recognizes as qualified. About 87.8 percent of Palm Shores homes are owner-occupied, so the choice and the cost usually fall to you. Check the inspector's license, and confirm with your insurer first.

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

Can a roofer offer me an inspection to start a claim?

Fla. Stat. 489.147 bars a roofing contractor from offering anything of value in exchange for a roof inspection or a claim, and from advising you on coverage unless the contractor also holds a public adjuster license. Palm Shores is 87.8 percent owner-occupied, so most roof decisions rest with the homeowner. Check your coverage with your insurer or agent before signing any contract.

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

Nearby

Roof inspections near Palm Shores

Sources for this page(30)
  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.Share of homes built before 1980: 12.5%. 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 B25034. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  5. 5.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.
  6. 6.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 15.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 87.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  9. 9.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  11. 11.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. 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.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  18. 18.OIR form. Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.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.
  22. 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  24. 24.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  27. 27.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). 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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Roof inspections in Palm Shores

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