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Inspections ยท Sunrise

Roof inspections in Sunrise, FL

In Sunrise, 19.5 percent of residents are 65 or older, and many of them live under roofs that are well past the 15-year mark insurers watch. A roof inspection tells you how much life is left. Florida law gives you a way to prove it.

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Updated October 2026

Curved multi-storey city hall building with large CITY HALL letters on a stone wall and palm trees in front.
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: City of Sunrise Hall by LTreadwell, CC0, cropped

Sunrise figures this page uses

Median year homes were built
1983
Share of homes built before 1980
42.4%
Mobile homes, share of housing units
0.1%
Owner-occupied share of occupied homes
68.8%

Housing age

How old are Sunrise roofs likely to be?

Sunrise homes were built in 1983 at the median, and 42.4 percent of them date from before 1980. That suggests many of these houses have had at least one reroof by now, and some still carry an older one. Only 0.1 percent of units are mobile homes, so nearly all of these are site-built roofs.

Broward County's median build year is 1980, so Sunrise is about the same age as the county as a whole. Broward sits in the High Velocity Hurricane Zone, which carries stricter roof provisions than most of Florida. An inspector here checks the roof against that stricter standard.

Florida rules

What insurer forms and the 15-year rule require of you

Under Fla. Stat. 627.7011(5), an insurer must let you have an authorized inspector check a roof that is 15 years or older, at your expense. If the inspection shows 5 or more years of useful life left, the insurer may not refuse or non-renew you solely for the roof's age. Whether your own policy is affected is a question for your insurer or agent.

With 68.8 percent of Sunrise households owner-occupied, most roof questions land on the homeowner. Homes older than 20 years often need a 4-point inspection for Citizens, and its roof section records the covering, age, remaining useful life, last permit and any damage found. Citizens also wants documentation of five years of remaining life for shingle roofs past 25 years and hard roofs past 50.

The inspector must be authorized by the insurer. That list includes a licensed home inspector, a building code inspector, a roofing or general contractor, an engineer or an architect.

Before you call

What an inspector checks, and when to order one

An inspector looks for the damage items the forms list: cracked or curling shingles, heavy granule loss, exposed felt, soft decking and leaks in the attic or on ceilings. For wind mitigation, the inspector also records attic details you cannot see from the ground, such as deck nailing and roof-to-wall connectors, with photos.

  • Buying or selling a Sunrise home built before 1980, when roof age and remaining life affect the deal.
  • Getting a letter from your insurer that mentions roof age.
  • After a storm such as Hurricane Irma in 2017, when inland Broward stations recorded sustained winds just below hurricane force.
  • Before any repair that could cross the 25 percent rule.

For permit questions on any work that follows an inspection, the City of Sunrise Community Development Building office handles roof permits.

Request a roof inspection

Questions

Roof inspections in Sunrise: questions

Does Florida require a roof inspection after 15 years?

No law forces you to inspect at 15 years. The rule works the other way. Under Fla. Stat. 627.7011(5), if your roof is 15 years or older, your insurer must let you have an authorized inspector check it at your expense. In an area where the median home was built in 1983, plenty of roofs are well past that mark, so this rule comes up often. If that inspection shows 5 or more years of useful life left, the insurer may not refuse or non-renew you solely for roof age. How this applies to your policy is something your agent or insurer can explain.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

Who counts as an authorized roof inspector in Sunrise?

The insurer has to approve the inspector. Florida's list includes a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer or an architect. With 42.4 percent of Sunrise homes built before 1980, confirm with your insurer before you book anyone, so the report is accepted.

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

Related: Roof inspections

Is the wind mitigation inspection the same as a roof inspection?

No. A roof inspection checks condition, age and remaining life, while the wind mitigation form, OIR-B1-1802, records construction features: building code era, roof covering, deck attachment, roof-to-wall connections, roof geometry and opening protection. Broward is in the High Velocity Hurricane Zone, which is one of the form's wind regions. Because the median home here was built in 1983, many houses predate newer code requirements, so the form often documents older construction details worth recording accurately. Up to five years of validity applies to the form, provided nothing material changes.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Can a roofer tell me what my insurance covers?

No. Florida Statute 489.147 bars roofing contractors from advising on coverage unless licensed as a public adjuster, and from offering anything of value for an inspection or claim. Your insurer or agent decides coverage. Notice of a new claim must reach your insurer within 1 year of the date of loss. Local homes matter here too: the median home in this area was built in 1983, so many roofs have seen decades of Florida weather, and your insurer will look at the age and condition of yours when reviewing a claim.

Source: Florida Statutes, section 489.147 (2026), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Sunrise

Sources for this page(38)
  1. 1.Median year homes were built: 1983. 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: 42.4%. 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.Mobile homes, share of housing units: 0.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, 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, 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, B25034, B25024, 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.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: 68.8% (24,758 of 35,979). 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.Permit office: City of Sunrise - Community Development - Building. City of Sunrise - Community Development - Building. Read Oct 10, 2026.
  11. 11.Residents 65 and older: 19.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 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.OIR form. Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.City of Sunrise - Community Development - Building, City of Sunrise. Read Oct 5, 2026.
  24. 24.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.Florida Statutes, section 713.135 (2026), Florida Legislature. 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.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  30. 30.Florida Building Commission, Florida Building Commission. 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 NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Sunrise 2020 Census internal point (26.1716, -80.2616), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Sunrise 2020 Census internal point (26.1716, -80.2616), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  36. 36.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  37. 37.Wikipedia, 'Sunrise, Florida' (revision 1377703896), Wikipedia. Read Oct 5, 2026.
  38. 38.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.

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