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Inspections ยท Coral Springs

Roof inspections in Coral Springs, FL

Only 2.5 percent of Coral Springs homes were built in 2010 or later, so almost every house in the city is older than the 15-year roof age Florida insurance law singles out, and only a newer re-roof keeps the roof itself younger. Inspections here mostly answer the questions on insurers' forms.

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Updated October 2026

Modern multi-storey city hall building with a curved front and lawn under a clear blue 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: Coral Springs City Hall by Jedi94, CC BY-SA 4.0, cropped

Coral Springs figures this page uses

Share of homes built 2010 or later
2.5%
Median year homes were built
1987
Owner-occupied share of occupied homes
60.3%

Local know-how

Insurer questions for Coral Springs' 1980s roofs

Fla. Stat. 627.7011(5) protects roofs under 15 years old from being the sole reason an insurer refuses or drops a homeowner's policy. For an older roof, the insurer must let the owner have it inspected, at the owner's cost, before requiring replacement, and an inspection showing five or more years of remaining life rules out age alone as the reason to refuse.

Citizens Property Insurance requires a 4-point inspection on properties more than 20 years old, which at a 1987 median build year covers most of the city. Its roof section records the covering, age, remaining useful life, last roofing permit, condition and visible damage, and with photos of each slope it can replace Citizens' separate roof inspection form.

The insurer has to accept the inspector, and the statute's list includes home inspectors, building code inspectors, general, building, residential and roofing contractors, engineers and architects.

Wind mitigation

Hip roofs, sealed decks and the Coral Springs wind form

The wind mitigation form, OIR-B1-1802 (Rev. 04/26), grades roof shape: a hip roof counts only if non-hip features make up no more than 10 percent of the total roof perimeter. It also asks about secondary water resistance, where standard underlayment or hot-mopped felt does not qualify, and about how the deck is attached and how the roof is tied to the walls.

The state's consumer notice calls securing the roof and protecting windows the two most cost-effective mitigation measures. Owners occupy 60.3 percent of the city's occupied homes, and for them the form is worth reading before a re-roof, while its answers can still be chosen.

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Questions

Roof inspections in Coral Springs: questions

What if my Coral Springs insurer says my roof is too old?

Ask which form it wants and get the roof inspected. Under Fla. Stat. 627.7011(5)(c), once a roof is 15 years or older, the insurer must allow an inspection by an authorized inspector, at your expense, before requiring replacement, and it may not refuse or non-renew solely for age if that inspection shows five or more years of useful life left. Age runs from the last full replacement, so on a house built in the city's 1987 median year, the re-roof permit date matters more than the house. Citizens applies its own lines at 25 years for soft roofs and 50 for hard ones.

Source: Fla. Stat. 627.7011, read October 4, 2026; Citizens underwriting, read October 5, 2026.

Related: Roof inspections

Is a roof certification the same as a 4-point inspection in Coral Springs?

Not quite, so ask which form is wanted. The request usually points to a roof condition form such as Citizens' Roof Inspection Form, RCF-1, which records the roof's remaining useful life with photos of each slope and is signed by a general, residential, building or roofing contractor, a building code inspector or a home inspector holding a Florida license. The 4-point form covers the roof plus electrical, plumbing and HVAC, and its roof section can stand in for the RCF-1 when photos of every slope are included. With only 2.5 percent of Coral Springs homes built since 2010, nearly every house here gets asked for one of them, so ask the insurer which before booking.

Source: Citizens RCF-1 and 4-Point Inspection Form, read October 4-5, 2026.

Related: Roof inspections

How long does a wind mitigation inspection last for a Coral Springs home?

Up to five years, if the house does not change. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and says it is valid for up to five years provided no material changes are made to the structure and no inaccuracies are found. A re-roof changes items it grades, such as deck attachment and secondary water resistance, so a Coral Springs owner who re-roofs a 1987 house should ask the insurer whether a new form is worth filing. Every home in the city answers the form's wind-region question with the HVHZ box.

Source: Florida OIR, OIR-B1-1802 (Rev. 04/26), read October 4, 2026.

Related: Roof inspections

Nearby

Roof inspections near Coral Springs

Sources for this page(31)
  1. 1.Share of homes built 2010 or later: 2.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Median year homes were built: 1987. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, 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.Owner-occupied share of occupied homes: 60.3% (27,263 of 45,204). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: City of Coral Springs - Building. City of Coral Springs - Building. Read Oct 5, 2026.
  6. 6.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.
  7. 7.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  8. 8.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  9. 9.Insp4pt 03 25. Read Oct 4, 2026.
  10. 10.OIR form. Read Oct 5, 2026.
  11. 11.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  12. 12.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  13. 13.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  16. 16.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), tables B01001, B01002, B01003, B25001, B25003, B25004, B25024, B25034, B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  17. 17.City of Coral Springs - Building (official page), City of Coral Springs. Read Oct 5, 2026. Official municipal building and permit page (name and link only).
  18. 18.Wikipedia, 'Coral Springs, Florida' (revision 1378545100), Wikipedia. Read Oct 5, 2026.
  19. 19.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  20. 20.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.
  21. 21.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), tables B01001, B01002, B01003, B25001, B25003, B25004, B25024, B25034, B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.Broward County, Board of Rules and Appeals, Broward County. Read Oct 5, 2026.
  23. 23.Broward County, Building Code Division, Broward County. Read Oct 5, 2026.
  24. 24.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), Florida Building Commission (UpCodes viewer). Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  26. 26.Florida Statutes, section 553.844 (2026), International Code Council (Florida Building Commission). Read Oct 5, 2026.
  27. 27.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), Florida Building Commission (UpCodes viewer). Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  29. 29.FBC-Building 2023 Chapter 2 definitions, Florida Building Commission (UpCodes viewer). Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  30. 30.FBCR 2023 Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026.
  31. 31.miamidade.gov, Miami-Dade County. Read Oct 5, 2026.

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Roof inspections in Coral Springs

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