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Inspections ยท Hillsboro Beach

Roof inspections in Hillsboro Beach, FL

Only 0.2 percent of Hillsboro Beach housing units are mobile homes, so nearly every roof here falls under the Florida Building Code and Florida's insurer roof rules. With a median build year of 1974, many original roofs are likely past 15 years. An inspection tells you what is left.

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Updated October 2026

Town of Hillsboro Beach welcome sign beside a tree-lined road and an evacuation route sign.
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: Hillsboro Beach FL 2023 by Niranjan Arminius, CC BY-SA 4.0, cropped

Hillsboro Beach figures this page uses

Share of homes built before 1980
72.1%
Median year homes were built
1974
Seasonal, recreational or occasional-use homes (share of all units)
45.9%
Mobile homes, share of housing units
0.2%

Housing age

How old are Hillsboro Beach roofs?

About 72.1 percent of homes here were built before 1980, and the median year built is 1974. That suggests many of these roofs have been replaced at least once, and some replacements are now old enough to matter to an insurer.

Most housing units, 87.9 percent, sit in buildings with 10 or more units. Condo and association roofs are often inspected as one system, so ask your board for the latest report before you order your own.

Another 45.9 percent of units are held for seasonal or occasional use. An empty unit can hide a slow leak for months, so a scheduled inspection catches what no one is home to notice.

Insurer rules

Insurer roof-age letters and the 4-point roof section

Florida Statute 627.7011(5) bars an insurer from refusing or non-renewing a policy solely for roof age while the roof is under 15 years old. After year 15, a Hillsboro Beach owner may pay an authorized inspector to examine the roof.

If the report shows 5 or more years of useful life left, age alone is not grounds to drop the policy. The statute covers policies issued or renewed on or after July 1, 2022. Ask your insurer or agent how it fits your policy.

The 4-point form has a roof section that records the covering material, roof age, remaining useful life, last permit date, percent replaced and overall condition. Citizens asks for the full 4-point on properties more than 20 years old, and 72.1 percent of homes here predate 1980.

Inspection steps

Which parts of the roof an inspector examines, and the timing for making the call

  • Cracked or curled shingles, granule loss, exposed asphalt or felt, and loose or missing tabs and tiles
  • Soft decking and visible leaks in the attic or on ceilings
  • Permit history, remaining useful life and photos of each slope

Call before a purchase or sale, after an insurer sends a letter about roof age, or after a storm. Broward is in the High Velocity Hurricane Zone, and in 2017 Irma brought 2 to 4 feet of surge to coastal Broward.

Roof permits here go through the Town of Hillsboro Beach Building Department. Confirm with that office before any repair, because the 25 percent rule can turn a repair into a full replacement.

Request a roof inspection

Questions

Roof inspections in Hillsboro Beach: questions

Does my Hillsboro Beach roof need an inspection at 15 years?

Not by law, but it protects you. Florida Statute 627.7011(5) lets you have an authorized inspector check a roof that is 15 years or older, at your expense. If the report shows 5 or more years of useful life, your insurer cannot refuse or non-renew solely for age. With 72.1 percent of homes here built before 1980, many owners will reach this point. How the rule applies to your own policy is something your agent or insurer can explain.

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 can sign a roof inspection for an insurer?

Whoever carries out the inspection, your insurer is required to accept the findings. The statute lists licensed home inspectors, building code inspectors, licensed general, building or residential contractors, roofing contractors, professional engineers and architects. Citizens' roof form must be signed by a contractor, a building code inspector or a Florida-licensed home inspector, with photos of each slope. In Hillsboro Beach, where the median home dates to 1974, confirm your insurer's list before you hire.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

Does the 25 percent roof rule apply to my inspection findings?

It applies to any repair that follows. If repairs cover more than 25 percent of one roof section within 12 months, replacing that whole section can be required. An exception covers a roof built, repaired or replaced to the 2007 Florida Building Code or later. Broward is in the High Velocity Hurricane Zone, so confirm the details with the Hillsboro Beach Building Department.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof inspections

Can I get a roof inspection for an older condo or seasonal unit?

Yes. In Hillsboro Beach 87.9 percent of units are in buildings with 10 or more units, and 45.9 percent are seasonal. For a condo, start with your association, since the roof is usually shared. For a unit you rarely visit, schedule an inspection after each storm season so leaks are found early.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Hillsboro Beach

Sources for this page(30)
  1. 1.Share of homes built before 1980: 72.1%. 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: 1974. 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.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.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Seasonal, recreational or occasional-use homes (share of all units): 45.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. 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.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  10. 10.Permit office: Town of Hillsboro Beach - Building Department. Town of Hillsboro Beach - Building Department. Read Oct 10, 2026.
  11. 11.Mobile homes, share of housing units: 0.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, 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. Read Oct 5, 2026.
  17. 17.2023 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).
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  20. 20.Town of Hillsboro Beach - Building Department, townofhillsborobeach.com. Read Oct 5, 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.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 (AREALAND/AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  25. 25.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.Wikipedia, 'Hillsboro Beach, Florida' (revision 1374465953), Wikipedia. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  30. 30.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.

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Roof inspections in Hillsboro Beach

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