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Inspections ยท Brevard County

Roof inspections in Brevard County, FL

The median Brevard County home was built in 1988, and Citizens requires a 4-point inspection on applications for homes more than 20 years old, which takes in most of the county's housing. What happens next depends on the roof's own age: Florida's 15-year rule, Citizens' 25- and 50-year lines and the wind mitigation form all start there.

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Updated October 2026

Modern concrete city hall building with columns, a welcome sign, and palm trees along the walkway.
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: City Hall Titusville FL by CityOfTitusville, CC BY-SA 4.0, cropped

Brevard roof inspections, in short

Insurers judge the roof, not the house. Under Fla. Stat. 627.7011(5), age cannot be the sole reason to refuse or non-renew a policy on a roof under 15, or on an older roof an authorized inspector finds has 5 or more years left. The 4-point, Citizens' roof form and the wind mitigation form each record the roof differently.

Sources for this answer

Brevard County figures

The Brevard County numbers behind this page

Share of homes built 2010 or later
10.9%
Median year homes were built
1988
Mobile homes, share of housing units
7.2%

Roof age

The 15-year rule meets a 1988 housing stock

Florida's rule is narrow. Roof age alone cannot be the reason an insurer refuses or non-renews a homeowner's policy while the roof is younger than 15. At 15 or older, it must let you hire an authorized inspector at your expense before requiring a replacement, and it cannot act on age alone if the inspection shows 5 or more years of life. It has applied to homeowner's policies written or renewed from July 1, 2022 on.

Only 10.9% of Brevard homes date from 2010 or later, so the rule mostly bites on roofs replaced before about 2011. Age runs from the last full replacement, so keep the permit from your last re-roof.

Insurer forms

Citizens' age lines and the roof page of a 4-point

Citizens Property Insurance wants proof of at least five years of remaining life on shingle roofs older than 25 years and on tile, slate, clay, concrete or metal roofs older than 50, and a 4-point inspection for homes and mobile homes over 20 years old.

The 4-point's roof page records the covering, age, remaining life, last roofing permit date, full or partial replacement, condition and a damage list running from curling shingles to soft decking and attic leaks. Citizens accepts it in place of the separate Roof Inspection Form when photos of each slope come with it. After Milton affected 405 Brevard structures in 2024, that damage list is where storm wear shows.

Wind mitigation

Wind mitigation forms on the Space Coast

The wind mitigation form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and stays valid up to five years if nothing material changes. It records code era, wind region, roof slope and covering, deck nailing, the roof-to-wall connection, roof shape and any secondary water barrier. Insurers must offer credits for proven wind-loss features, and the state says those apply only to the hurricane-wind portion of a policy.

The region comes from the ASCE 7-22 design speed at your address: Region 1 at 140 mph or more, Region 2 at 130 to 139, Region 3 below 130. Brevard County's address-level wind speed maps make a useful cross-check. The signer must inspect in person, and the law lists who insurers must accept, from trained home inspectors to engineers and architects.

Mobile homes

Mobile homes, state grants and the next step

Mobile homes are 7.2% of Brevard's housing units. Senate staff note the 15-year statute does not apply to mobile home policies, though Citizens' 4-point rule still does. Irma's Turkey Creek tornado damaged more than a dozen mobile homes in Palm Bay Estates.

My Safe Florida Home, under Fla. Stat. 215.5586, offers wind inspections for owner-occupied, homesteaded, site-built single-family homes, plus matching grants with added conditions, such as a build date before 2008, toward roof-to-wall connections, deck attachment, a secondary water barrier or a new roof covering. The statute says it creates no entitlement; check mysafeflhome.com for current status.

If the report finds damage, see roof repair in Brevard; if it finds a roof near the end of its life, see roof replacement.

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Inspections

Roof inspections by town in Brevard County

Roof cost estimator

See a ballpark for your roof

Answer a few questions about your roof and see a ballpark built from published Florida cost data, then get your written estimate.

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Ranges come from published Florida cost guides. They are not South Fork Roofing's prices.

Questions

Roof inspections in Brevard County: questions

Is a wind mitigation inspection required in Brevard County?

It is an insurance document rather than a permit item, and it can pay. Insurers must offer discounts, credits or deductible reductions for proven wind-loss features such as deck attachment, roof-to-wall connections and a secondary water barrier, and the form stays valid up to five years. Brevard homes are graded by design wind speed region, and Brevard County's wind speed maps show the speed used for permits. Your insurer or agent knows which credits apply.

Related: Roof inspections

How old can my roof be before a Brevard insurer pushes back?

The state line is 15 years. Below it, age alone cannot be the reason to refuse or non-renew a homeowner's policy, and above it an authorized inspection showing 5 or more years of life blocks an age-only refusal. Citizens adds documentation lines at 25 years for shingle and 50 for tile or metal. With the median Brevard home built in 1988, an original shingle roof would be past both of those lines.

Related: Roof inspections

What shows up as a problem on the roof part of a 4-point?

The form's damage list: cracking, cupping or curling, heavy granule loss, exposed asphalt or felt, missing, loose or cracked tabs or tiles, soft decking, hail marks and visible leaks in the attic or on ceilings. It also records the roof's age, its remaining life and the last roofing permit. In Brevard, storm wear is the usual source; Matthew's 2016 damage here ran to shingles and soffits.

Related: Roof inspections

Does the 15-year roof law cover my mobile home in Brevard?

No. Senate staff note that the 15-year provision of Fla. Stat. 627.7011(5) does not apply to mobile home policies. Citizens still requires a 4-point inspection, roof included, on mobile home applications more than 20 years old. Mobile homes are 7.2% of Brevard's housing units, and Irma's Turkey Creek tornado damaged more than a dozen in Palm Bay Estates. Ask your insurer or agent which roof documents your policy needs.

Related: Roof inspections

Can a Brevard home get a state-funded wind inspection or grant?

Possibly, through My Safe Florida Home. Fla. Stat. 215.5586 offers inspections for site-built, owner-occupied, homesteaded single-family homes, and matching grants, with conditions such as a build date before 2008, toward roof-to-wall connections, deck attachment, a secondary water barrier and a new roof covering. The median Brevard home dates to 1988, so many houses pass the age test. Check mysafeflhome.com to see whether applications are open.

Related: Roof inspections

Brevard County

More in Brevard County

Sources for this page(36)
  1. 1.Share of homes built 2010 or later: 10.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  3. 3.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  4. 4.Median year homes were built: 1988. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Mobile homes, share of housing units: 7.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  8. 8.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  18. 18.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 627.711 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 215.5586 (2026), Florida Statutes. Read Oct 4, 2026.
  21. 21.My Safe Florida Home program, My Safe Florida Home program. Read Oct 5, 2026.
  22. 22.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026.
  23. 23.Senate SB 808 staff analysis pp. 3-4, Senate SB 808 staff analysis pp. 3-4. Read Oct 5, 2026.
  24. 24.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026.
  25. 25.Florida Statutes, section 553.844 (2026), Florida Statutes. Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), 2023 Florida Building Code. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  27. 27.FBC-Building 2023 Chapter 2 definitions, FBC-Building 2023 Chapter 2 definitions. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 2 (UpCodes viewer, unofficial transcription), 2023 Florida Building Code. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  29. 29.FBCR Ch. 9, FBCR Ch. 9. Read Oct 5, 2026.
  30. 30.FBCR Ch. 8, FBCR Ch. 8. Read Oct 5, 2026.
  31. 31.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, FRSA. Read Oct 5, 2026.
  32. 32.Miami-Dade County RER notice, Miami-Dade County RER notice. Read Oct 5, 2026.
  33. 33.FBC-B 2023 Ch. 1, FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  34. 34.Florida Solar Energy Center, Florida Solar Energy Center. Read Oct 5, 2026.
  35. 35.Florida Statutes, section 627.70132 (2026), Florida Statutes. Read Oct 4, 2026.
  36. 36.NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates for Melbourne (28.08, -80.61), NOAA National Weather Service, Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute and 60-minute intensities and 24-hour depths; the county's default Atlas 14 point (spec 8.5).

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Roof inspections in Brevard County

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