Roof inspections in Oakland Park, FL

Under Fla. Stat. 627.7011(5), an insurer cannot refuse or non-renew a home solely because the roof is under 15 years old. Once a roof reaches 15 years, you may hire an authorized inspector at your own expense, and the insurer has to allow it. Five or more years of remaining useful life on that report blocks a refusal based only on age.

Citizens requires a 4-point inspection for properties more than 20 years old, and a median build year of 1972 suggests many Oakland Park homes reach that line. The roof portion lists covering material, age, remaining life, last permit date, and how much was replaced. It also notes overall condition and any damage found.

• Cracking, cupping or curling shingles
• Granule loss, with asphalt or felt showing through
• Missing, loose or cracked tabs or tiles
• Soft spots in the decking
• Leaks seen in the attic or on ceilings

Citizens asks for documentation of at least five years of remaining life on shingle roofs older than 25 years and on tile, metal or other hard roofs older than 50. Your insurer or agent can tell you how your own policy treats the roof.

Schedule one ahead of a sale or purchase, after an insurer's roof-age letter, or following a storm. Broward sits in the High Velocity Hurricane Zone, and Irma in 2017 brought a 97-kt gust at Deerfield Beach and widespread damage across the metro. A post-storm check looks at the damage list above.

For repair or reroof work, confirm permit needs with the City of Oakland Park Permit Access & Inspections office. A repair touching more than 25 percent of a roof in 12 months can force a full replacement, unless the roof was built or redone under the 2007 Florida Building Code or later.

Under Florida Statute 489.147, a roofer may not offer you anything of value in exchange for an inspection, and may not advise you on your insurance coverage. Talk to your insurer about claim questions.