Inspections ยท Deerfield Beach
Roof inspections in Deerfield Beach, FL
Mobile homes make up 5.9 percent of Deerfield Beach housing units, and they follow a different rulebook than site-built houses. Most of the rest are older: 59.4 percent were built before 1980. Many roofs here may be past 15 years, which is when insurers start asking questions.
Updated October 2026
Our workDeerfield Beach figures this page uses
- Median year homes were built
- 1978
- Residents 65 and older
- 22.7%
- Seasonal, recreational or occasional-use homes (share of all units)
- 15.8%
- Mobile homes, share of housing units
- 5.9%
Local housing
Why Deerfield Beach roofs get inspected
The median home here was built in 1978, about even with the Broward County median of 1980. That says nothing about any single roof. It does suggest many owners have replaced a roof at least once, and some have not kept the paperwork. An inspection gives you the age, the condition and the permit history in one place.
About 22.7 percent of residents are 65 or older, and 15.8 percent of units are seasonal or occasional-use homes. A roof nobody climbs on for months can leak for months before anyone sees it. An inspection before the season starts catches that.
Broward sits in the High Velocity Hurricane Zone, which carries the strict provisions South Florida adopted after Hurricane Andrew. Irma put a 97-knot gust on Deerfield Beach in 2017. An inspector checks whether your roof's attachment and covering look sound against wind like that.
15-year rule
What Florida law and insurer forms ask about the roof
Under Fla. Stat. 627.7011(5), an insurer may not refuse a policy solely because the roof is under 15 years old. Once a roof reaches 15 years, you are entitled to bring in an authorized inspector, paid for by you, before the insurer requires a new roof. When the inspection finds at least 5 years of useful life remaining, a roof's age by itself cannot justify a refusal or a non-renewal.
The roof section of the 4-point form records the covering material, roof age, remaining useful life and date of the last roofing permit. It also notes any partial replacement, overall condition and the damage list. Citizens requires the full 4-point inspection once a property passes 20 years. Since Deerfield Beach's median build year is 1978, many homeowners here may meet that line.
Citizens wants documented proof of five years of remaining life for shingle roofs older than 25 years, and for tile or metal roofs older than 50. Mobile home policies are outside the 15-year rule, according to Senate staff. If you own one of the 5.9 percent, ask your insurer which standard applies.
Timing
When to order an inspection and what it checks
- Buying: 36,441 occupied homes here include 63.9 percent owner-occupied, so many sales turn on roof age.
- Selling: a written roof condition report answers the buyer's first question.
- Insurer letter: the 15-year rule lets you bring your own authorized inspector.
- After a storm: check for damage before the 1-year notice deadline to your insurer runs out.
An inspector looks for cracking, curling, granule loss, exposed felt, loose or missing tabs and tiles, soft decking and visible leaks in the attic. For a wind mitigation form, the attic items matter too: deck nailing, roof-to-wall connectors and a sealed roof deck. Ask for photos of each roof slope.
Florida law bars roofers from offering anything of value for a roof inspection tied to a claim. It also bars them from advising you on coverage. Your insurer or agent is the one to ask what your policy pays for. For any permit question, confirm with Deerfield Beach Building Services.
Questions
Roof inspections in Deerfield Beach: questions
What is the 15 year roof rule in Florida?
Fla. Stat. 627.7011(5) says an insurer may not refuse to issue or renew a homeowner's policy solely because a roof is under 15 years old. Once a roof is 15 or older, you may have an authorized inspector examine it at your own cost. If it shows 5 or more years of useful life, age alone cannot be the reason for refusal. About 59.4 percent of Deerfield Beach homes were built before 1980, so many owners may meet this rule.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
What does the roof section of the 4-point form ask?
It records the covering material, roof age, remaining useful life, the date of the last roofing permit, and whether the roof was fully or partly replaced and what percent. It also lists overall condition and damage such as cracking, curling, granule loss and leaks. Deerfield Beach's median home was built in 1978, so many homes here are past the 20-year line where Citizens asks for the form.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
How long do I have to report roof storm damage to my insurer?
Florida sets a 1-year limit from the date of loss to notify your insurer of a new or reopened property claim, and 18 months for a supplemental claim. Hurricane Irma put a 97-knot gust on Deerfield Beach in 2017, and damage from a storm like it runs on those same clocks. Contact your insurer or agent for how those deadlines apply to your policy.
Source: NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), read Oct 5, 2026
Nearby
Roof inspections near Deerfield Beach
Sources for this page(35)
- 1.Median year homes were built: 1978. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 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.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.
- 4.Residents 65 and older: 22.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
- 5.Seasonal, recreational or occasional-use homes (share of all units): 15.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
- 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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
- 8.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
- 9.Mobile homes, share of housing units: 5.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 10.Owner-occupied share of occupied homes: 63.9% (23,297 of 36,441). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 11.Permit office: City of Deerfield Beach - Building Services. City of Deerfield Beach - Building Services. Read Oct 10, 2026.
- 12.Share of homes built before 1980: 59.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 14.Insp4pt 03 25. Read Oct 4, 2026.
- 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
- 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
- 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
- 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 20.OIR form. Read Oct 4, 2026.
- 21.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
- 22.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
- 23.City of Deerfield Beach - Building Services, deerfield-beach.com. Read Oct 5, 2026.
- 24.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
- 25.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
- 26.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
- 27.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
- 28.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 29.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
- 30.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 31.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Deerfield Beach 2020 Census internal point (26.3117, -80.1254), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 33.Official website: City of Deerfield Beach, Historic Preservation Board, deerfield-beach.com. Read Oct 5, 2026.
- 34.Wikipedia, 'Deerfield Beach, Florida' (revision 1374302381), Wikipedia. Read Oct 5, 2026.
- 35.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
South Fork Roofing
Roof inspections in Deerfield Beach
Answer a few questions about the job, or call.