Skip to content

Inspections ยท Lighthouse Point

Roof inspections in Lighthouse Point, FL

About 29.3 percent of Lighthouse Point residents are 65 or older, and many own homes that are decades old. An inspection tells you how much life your roof has left before an insurer or a buyer asks. Florida law gives you the right to order one.

Request a quote407-242-2840

Updated October 2026

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.

Lighthouse Point figures this page uses

Median year homes were built
1967
Share of homes built before 1980
82.7%
Mobile homes, share of housing units
1.3%
Owner-occupied share of occupied homes
77.3%

Housing age

How old are Lighthouse Point roofs?

Lighthouse Point homes have a median build year of 1967, while Broward County's is 1980. That is 13 years older than the county figure. Some 82.7 percent of local homes predate 1980, compared with 50.0 percent countywide.

That suggests many roofs here have been replaced at least once, and some may be near the 15-year mark that triggers insurer rules. A home's build year does not tell you the roof's age, so only a look at the roof and its permit history will.

Mobile homes are only 1.3 percent of local units, and 77.3 percent of occupied homes are owner-occupied. Most readers here can order their own inspection without a landlord's sign-off.

Florida rules

What Florida asks of a 15-year-old roof

Fla. Stat. 627.7011(5) bars an insurer from dropping or refusing a policy solely because a roof is under 15 years old. After that birthday, the homeowner is allowed to bring in an authorized inspector, paying the bill personally. A report showing 5 or more years of useful life stops the insurer from using age alone as the reason to non-renew.

The roof section of the 4-point form records the covering material, roof age, remaining useful life, date of the last roofing permit and the percentage replaced. The damage list covers curling, granule loss, soft decking and attic leaks.

Citizens Property Insurance adds a line of its own: shingle roofs older than 25 years need documentation of at least five years of remaining life. Your agent is the one to ask what applies to your policy.

Timing

When to order a roof inspection

  • Before buying or selling, so remaining life is known before the contract is signed.
  • When your insurer sends a letter that raises roof age.
  • After a storm. Hurricane Irma put a 97-kt gust at Deerfield Beach in 2017.
  • Before a repair, since the 25% rule can turn a repair into a full replacement.

A roofer's inspection checks what the forms ask: covering, age, remaining life, permit history and leaks. Broward is in the High Velocity Hurricane Zone, so attic connections and deck attachment matter too. Confirm permit requirements with the City of Lighthouse Point Building & Zoning office.

Request a roof inspection

Questions

Roof inspections in Lighthouse Point: questions

Can my insurer drop me because my roof is 15 years old?

Not for age alone. Under Fla. Stat. 627.7011(5), a roof of 15 years or more lets you hire an authorized inspector at your own cost. If the report shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew solely because of age. With 82.7 percent of Lighthouse Point homes built before 1980, many owners here may face this question. Your insurer or agent can speak to your specific policy.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

The statute lists a licensed home inspector, a building code inspector, a licensed general, building or residential contractor, a roofing contractor, a professional engineer and an architect. The insurer must also sign off on the person, and it can name other people it trusts to do the work. Since 29.3 percent of Lighthouse Point residents are 65 or older, many owners will want that sign-off in writing before paying 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

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

The form notes covering material, roof age, remaining useful life, last permit date, full or partial replacement and overall condition. Citizens asks for this inspection on properties past 20 years of age. With a median build year of 1967 in Lighthouse Point, many homes here clear that bar. Photos of every roof slope can stand in for the separate roof 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

Related: Roof inspections

Does a roofer's inspection also cover wind mitigation?

It can. The wind mitigation form, OIR-B1-1802, asks about roof deck attachment, roof-to-wall connections and sealed roof deck, items you cannot see from the ground. Once signed, the form stays usable for up to five years unless the structure changes. Broward County sits in the High Velocity Hurricane Zone, so these answers matter locally. Ask your insurer how any credits apply to your policy.

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 Lighthouse Point

Sources for this page(31)
  1. 1.Median year homes were built: 1967. 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 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, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built before 1980: 82.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25077, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 1.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 77.3% (4,154 of 5,373). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. 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.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.
  11. 11.Permit office: City of Lighthouse Point - Building & Zoning. City of Lighthouse Point - Building & Zoning. Read Oct 10, 2026.
  12. 12.Residents 65 and older: 29.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. 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 4, 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.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.City of Lighthouse Point - Building & Zoning, City of Lighthouse Point. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. 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.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 Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Lighthouse Point 2020 Census internal point (26.2786, -80.0857), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.Wikipedia, 'Lighthouse Point, Florida' (revision 1365655834), Wikipedia. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Lighthouse Point 2020 Census internal point (26.2786, -80.0857), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Lighthouse Point

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote