Roof inspections in Tamarac, FL

Florida protects a Tamarac owner whose roof is under 15 years old: the insurer may not turn down or non-renew the policy solely over roof age (Fla. Stat. 627.7011(5)). Once the roof reaches 15 years, the insurer must let you hire an authorized inspector, at your expense, before it can act on age alone.

The inspector's report matters. If it shows 5 or more years of useful life left, the statute bars refusal or non-renewal solely for age. For a Tamarac home from the early 1980s that was reroofed once, that report may decide whether the policy stays in place.

An authorized inspector has to be accepted by your insurer. The statute lists licensed home inspectors, building code inspectors, roofing and general contractors, engineers and architects. Ask your insurer or agent whether a given inspector qualifies before you pay for the visit.

Citizens Property Insurance sets its own lines: documentation of at least five years of remaining life for shingle roofs over 25 years old and for tile or metal roofs over 50. Your insurer or agent is the one to ask about what your policy covers, since a roofer cannot answer that.

The roof section of the 4-point form records covering material, roof age, remaining useful life, last permit date and any damage. Damage items include cracked or missing tabs, granule loss, soft decking spots and leaks seen in the attic or on ceilings. A roofer's report follows those same items, with photos of each slope.

Good times to book a roof inspection: before a purchase or a listing, once an insurer's letter mentions roof age, or following a storm. Broward County sits in the High Velocity Hurricane Zone, and Irma put a 97-kt gust at Deerfield Beach in 2017. Roof repair work in Tamarac may need a permit, so confirm with the city's ePermits office. The 25 percent rule can also apply to repairs, so ask what the inspection finds before you plan any work.