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Inspections ยท North Lauderdale

Roof inspections in North Lauderdale, FL

Of North Lauderdale residents, 11.8 percent are 65 or older, and many of them own homes built long before today's roof rules. A roof inspection tells you what condition the roof is in and how much life it has left. Insurers and buyers ask for that answer in writing.

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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.

North Lauderdale figures this page uses

Median year homes were built
1978
Share of homes built before 1980
56.8%
Owner-occupied share of occupied homes
60.1%
Residents 65 and older
11.8%

Housing age

Why older North Lauderdale roofs get inspected

The median home here was built in 1978, and 56.8 percent of homes predate 1980. That figure describes homes, not roofs. Many have been re-roofed since, so the only way to know a roof's age is its permit record or an inspection.

Florida's 15-year rule is why age matters to you. A roof under 15 years old cannot be the sole reason an insurer turns down or drops your homeowner's policy. Once a roof reaches 15, the insurer has to allow an authorized inspector you hire to examine it. If that report shows 5 or more years of useful life, age alone cannot end your coverage.

With 60.1 percent of occupied homes owner-occupied, most roof decisions here belong to the person living under it. Citizens also sets its own line: documentation of five years of remaining life for soft roofs older than 25 years and hard roofs older than 50.

Inspection scope

What the inspector checks and writes down

The roof section of the 4-point form records the covering material, roof age, remaining useful life, last roofing permit, and whether the replacement was full or partial. Citizens requires a 4-point inspection for properties more than 20 years old, and the median home here is from 1978.

On the damage list, an inspector looks for cracking, curling or cupping, granule loss, exposed asphalt or felt, missing or loose tabs, soft decking spots, and leaks showing in the attic or on ceilings.

Broward sits in the High Velocity Hurricane Zone, so the wind mitigation form (OIR-B1-1802) asks about the attic items you cannot see. Those include deck attachment, roof-to-wall connections and a sealed roof deck. The inspector photographs each one.

Timing

When to order a roof inspection

Good moments to book one are a home sale in either direction, a roof-age letter from your insurer, and the days after a storm. Irma put 97-knot gusts at Deerfield Beach in 2017, and inland Broward stations ran just below hurricane force. A check after any storm catches lifted tabs before a leak does.

Mind the clock on claims. Notice of a new or reopened claim is barred after 1 year from the date of loss. A supplemental claim has 18 months.

Contractors may not offer you anything of value for a roof inspection or a claim. They may not advise you on coverage either. Your insurer or agent is the one to tell you what your policy pays for. For permit history on your address, confirm with North Lauderdale's Community Development permitting office.

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Questions

Roof inspections in North Lauderdale: questions

Does my insurer have to accept an inspection of my 15-year-old roof?

Yes, in the way the statute describes. When your roof is 15 years or older, your insurer has to let an authorized inspector of your choosing, hired by you, examine it. Age by itself cannot justify a refusal to insure or a non-renewal when the report shows the roof has 5 or more years of useful life remaining. North Lauderdale's median home was built in 1978, so many owners may meet this rule. Ask your insurer which inspectors it accepts.

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 counts as an authorized roof inspector in Florida?

Your insurer has to accept whoever you pick as the inspector. Under the statute, the people who qualify include a licensed home inspector, a certified building code inspector, a professional engineer, an architect, or a licensed general, building, residential or roofing contractor. The insurer may also recognize others. With 60.1 percent of North Lauderdale homes owner-occupied, most owners can call their insurer first and confirm who it accepts.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

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

It records the covering material, roof age, remaining useful life, date of the last roofing permit, and whether the roof was fully or partly replaced. Damage like cracking, missing tabs, soft decking and leaks is also named in the statute. On properties more than 20 years old, Citizens requests that you submit this form. With 56.8 percent of North Lauderdale homes built before 1980, many local homes pass that age line.

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 roof inspection in Broward include wind mitigation?

They are separate forms, though one inspector can complete both. The wind mitigation form, OIR-B1-1802, is valid for up to five years if nothing material changes on the structure. Broward is in the High Velocity Hurricane Zone, and North Lauderdale's median home dates to 1978, so roof deck attachment and roof-to-wall connections are worth documenting. Your insurer can tell you how it puts the form to use, so check with them.

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

Nearby

Roof inspections near North Lauderdale

Sources for this page(35)
  1. 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. 2.Share of homes built before 1980: 56.8%. 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, 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.Owner-occupied share of occupied homes: 60.1% (9,401 of 15,643). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, 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.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  8. 8.Permit office: City of North Lauderdale - Community Development - Permitting. City of North Lauderdale - Community Development - Permitting. Read Oct 10, 2026.
  9. 9.Residents 65 and older: 11.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.OIR form. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  22. 22.City of North Lauderdale - Community Development - Permitting, City of North Lauderdale. Read Oct 5, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). 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.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  28. 28.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. 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 Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the North Lauderdale 2020 Census internal point (26.2124, -80.2214), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.Wikipedia, 'North Lauderdale, Florida' (revision 1378595893), Wikipedia. Read Oct 5, 2026.
  34. 34.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the North Lauderdale 2020 Census internal point (26.2124, -80.2214), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in North Lauderdale

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