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Inspections ยท Coconut Creek

Roof inspections in Coconut Creek, FL

In Coconut Creek, 20.1 percent of residents are 65 or older, and many of them own the roof they have lived under for decades. Most inspections here answer one question: how much life is left. Florida law and insurer forms both turn on that number.

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Updated October 2026

Covered gazebo overlooks a lake with fountain and grassy park lawn under trees.
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: Windmill Park in Coconut Creek by Faisal0926, CC0, cropped

Coconut Creek figures this page uses

Median year homes were built
1989
Share of homes built before 1980
21.3%
Residents 65 and older
20.1%

Housing age

How old are Coconut Creek roofs?

Coconut Creek's median home dates to 1989, while Broward County's dates to 1980. That is nine years newer. Still, 21.3 percent of local homes predate 1980, and those are the first places to look for an old roof.

Housing here is a planned-community mix. Condominiums and townhouses are common: 39.2 percent of homes sit in buildings with 10 or more units, against 35.9 percent countywide. For those buildings the association usually decides on the roof, so ask the board for the last inspection report.

Florida rules

The 15-year rule and the roof part of the 4-point form

No Florida insurer can turn down or drop a homeowner's policy only because the roof is under 15 years old. Once a roof reaches 15 years, you may hire an authorized inspector at your own expense, and the insurer must allow it. A finding of 5 or more years of useful life left bars a refusal or non-renewal based on age alone.

The roof section of the 4-point form records the covering material, roof age, remaining useful life, last roofing permit date, and any damage found. Citizens requires that inspection for properties over 20 years old. With 21.3 percent of local homes built before 1980, some owners here will see that request. Confirm what your own insurer requires with your insurer or agent.

Citizens also wants documentation of at least five years of remaining life for shingle roofs older than 25 years, or hard roofs such as tile or metal older than 50 years.

Inspection

What the inspector looks at and when to call

An inspector looks for cracking, curling, heavy granule loss, exposed felt, loose or missing tabs or tiles, soft decking and visible leaks in the attic or on ceilings. The report states remaining useful life and the roof's permit history. For wind mitigation, the inspector also photographs attic items you cannot see, such as deck nailing and roof-to-wall connectors.

  • Ahead of a purchase or sale, so the roof's condition is on paper before closing.
  • When your insurer sends a letter citing roof age.
  • After a storm like Irma, which brought a 97-kt gust at Deerfield Beach. A new claim must reach your insurer within 1 year of the date of loss.
  • When you want the wind mitigation form. Its current version is valid for up to five years if the structure has not materially changed.

Coconut Creek is in Broward County, one of the two High Velocity Hurricane Zone counties. Permit rules for any repair that follows an inspection come from the City of Coconut Creek Building Department, so confirm requirements with that office.

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Questions

Roof inspections in Coconut Creek: questions

Does my Coconut Creek roof need an inspection at 15 years?

Florida law does not require one at 15 years. It gives you a right. For a roof 15 years or older, your insurer must allow you to have an authorized inspector check it at your expense. If the inspection shows 5 or more years of useful life left, the insurer may not refuse or non-renew solely for roof age. In a city where the median home dates to 1989, many owners will reach this question. Ask your insurer or agent how they handle the inspection.

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

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

The inspector must be accepted by your insurer and fit one category in the statute. Those include a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor, a roofing contractor, a professional engineer, or an architect. Other credentials may also be accepted by your insurer as proof of qualification. Because Coconut Creek is in Broward County, confirm the inspector's credentials and your insurer's acceptance before paying for the visit.

Source: Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), read Oct 5, 2026

Related: Roof inspections

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

It records the covering material, the roof's age, its remaining useful life, the date of the last roofing permit and update, whether the replacement was full or partial and the percentage replaced, and overall condition. It also lists damage such as cracking, curling, exposed felt and visible leaks. Instead of filling out the separate roof inspection form, you can send photos of each slope. Citizens asks for a 4-point on properties over 20 years old, and 21.3 percent of Coconut Creek homes predate 1980.

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

Related: Roof inspections

What is the 25% roof rule and does an inspection affect it?

The rule says no more than 25 percent of a roof may be repaired or replaced in any 12-month period unless the whole roof system or section is replaced. An exception applies only if that roof was itself built, repaired or replaced under the 2007 Florida Building Code or later. An inspection can document what was done and when. Broward County is in the High Velocity Hurricane Zone, so confirm how it applies with the Coconut Creek Building Department.

Source: Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Coconut Creek

Sources for this page(30)
  1. 1.Median year homes were built: 1989. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 21.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Wikipedia, 'Coconut Creek, Florida' (revision 1378542002). Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  8. 8.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  9. 9.Permit office: City of Coconut Creek - Building Department. City of Coconut Creek - Building Department. Read Oct 10, 2026.
  10. 10.Residents 65 and older: 20.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.OIR form. Read Oct 4, 2026.
  19. 19.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.City of Coconut Creek - Building Department, City of Coconut Creek. Read Oct 5, 2026.
  22. 22.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  23. 23.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Coconut Creek 2020 Census internal point (26.2809, -80.1847), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places), U.S. Census Bureau. Read Oct 5, 2026.

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Roof inspections in Coconut Creek

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