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Inspections ยท Davie

Roof inspections in Davie, FL

In Davie, 13.7 percent of housing units are mobile homes, against 2.6 percent across Broward County. That matters for an inspection. Those roofs follow the HUD code, not the Florida Building Code, and insurers treat the roof age rules and forms differently for them.

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Updated October 2026

White wooden historic house with a covered front porch, steps, and a shingled roof on a lawn.
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: Davie FL Davie School museum Viele House01 by Ebyabe, CC BY-SA 3.0, cropped

Davie figures this page uses

Median year homes were built
1989
Share of homes built before 1980
28.9%
Mobile homes, share of housing units
13.7%
Residents 65 and older
14%

Age and insurers

How old are Davie roofs, and what does the law ask?

Davie's median home was built in 1989, newer than the county's 1980 figure. Still, 28.9 percent of homes here went up before 1980. We cannot read a roof's age from a home's build year, since many have been replaced. Check your own permit history and shingle condition instead.

The point at which Florida law steps in is 15 years. A Davie homeowner whose roof is younger than that cannot be turned away by an insurer on age alone. Once the roof reaches 15, you may hire an authorized inspector at your own expense before the insurer requires a replacement. A finding of 5 or more years of useful life left protects you from refusal or non-renewal based only on age.

The statute does not apply to mobile home policies, per Senate staff. Owners of Davie's mobile homes should ask their own insurer or agent what roof documentation that company wants.

Inspection scope

What a roof inspection checks

The roof section of the 4-point form records the covering material, roof age, remaining useful life, last roofing permit, and how much was replaced. It also lists overall condition and damage. For homes older than 20 years, Citizens asks for a 4-point inspection. Your insurer decides which form it accepts.

  • Cracked, cupped or curling shingles and tiles
  • Granule loss, and bare asphalt or felt showing through
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Stains or drips under the decking and on ceilings below

Citizens asks for five years of remaining life documented on shingle roofs older than 25 years and on tile or metal roofs older than 50. A roofer's report with a photo of every slope can supply that. Broward sits in the High Velocity Hurricane Zone, so connection details and the roof covering's product approval also matter.

Timing

When to order an inspection in Davie

Order one before you buy or sell, when your insurer sends a roof-age letter, and after a storm. Eta's November 2020 flooding put water inside some Davie structures, so check ceilings and the attic after heavy rain. Reroofing or repairing more than 25 percent of a roof in 12 months can trigger a full replacement, which the Davie Building Division can explain.

For insurance claims, ask your insurer or agent what is covered. Under Fla. Stat. 489.147, a roofer may not offer you anything of value for an inspection or advise you on coverage. Notice to your insurer of a new claim must arrive within 1 year of the loss.

Request a roof inspection

Questions

Roof inspections in Davie: questions

What roof age makes my Davie insurer ask for an inspection?

Florida's rule starts at 15 years. Under Florida rules, a homeowner's policy cannot be refused or non-renewed by an insurer only because the roof is younger than 15 years. For a roof 15 or older, the insurer must let you have an authorized inspector check it at your expense. If that shows 5 or more years of life left, age alone cannot be the reason. Davie's median home dates to 1989, so many owners may meet this question. Ask your agent for your insurer's exact requirements.

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

Does the 15-year roof rule cover mobile homes in Davie?

The 15-year roof rule in Fla. Stat. 627.7011(5) is written for homeowner's policies, and the staff analysis notes it does not apply to mobile home policies. For a covered roof 15 years or older, the insurer must let the homeowner have an authorized inspector check it at the homeowner's expense, and may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. In Davie, 28.9 percent of homes were built before 1980, so many roofs are old. Confirm what your insurer needs before ordering anything.

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

Related: Roof inspections

What does the roof section of a 4-point inspection record?

It records covering material, roof age, remaining useful life, date of the last roofing permit, full or partial replacement and the percentage replaced, and overall condition. It also lists damage such as cracking, curling, granule loss, soft decking and leaks. Photos of every slope can stand in for the separate Citizens roof form. In Broward County, where 50.0 percent of units predate 1980, these records often matter.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

Who can perform an inspection my insurer will accept?

An authorized inspector must be on your insurer's list and fall into one of several groups. These include a home inspector, a building code inspector, a general, building, residential or roofing contractor, a professional engineer, or an architect. Citizens' roof form must be signed by a contractor, building code inspector or home inspector. Davie has a 14 percent share of residents 65 and older, so ask your insurer for its list of inspectors before you pay anyone.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Davie

Sources for this page(37)
  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.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.Share of homes built before 1980: 28.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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.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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta (AL292020). Read Oct 5, 2026.
  8. 8.Permit office: Town of Davie - Building Division. Town of Davie - Building Division. Read Oct 10, 2026.
  9. 9.Mobile homes, share of housing units: 13.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  11. 11.Residents 65 and older: 14%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. 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, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.2023 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).
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.Town of Davie - Building Division, Town of Davie. Read Oct 5, 2026.
  23. 23.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 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.Official website: Town of Davie, Historic Preservation, Official website. Read Oct 5, 2026.
  27. 27.Wikipedia, 'Davie, Florida' (revision 1374301981), Wikipedia. Read Oct 5, 2026.
  28. 28.Florida Statutes, section 713.135 (2026), Florida Legislature. 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.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Davie 2020 Census internal point (26.0792, -80.2830), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  37. 37.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.

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Roof inspections in Davie

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