Roof inspections in Pine Ridge, FL

An inspector walks the roof and looks for the items the insurer forms list. Those include cracking, curling, heavy granule loss, exposed asphalt or felt, missing or loose tabs, soft spots in the decking, and leaks visible from the attic or on ceilings. The insurer forms expect a photo of every slope in the finished report.

A wind mitigation inspection is different. It records attic items you cannot see from the ground, such as roof deck attachment, roof-to-wall connections and any sealed roof deck. The current form is OIR-B1-1802 and stays valid up to five years if nothing material changes. Mobile homes make up 4.8 percent of Pine Ridge housing, and their roofs follow the HUD code, so confirm with the building office what applies to yours.

• Before you buy or sell a home
• After a letter from your insurer about roof age
• After a storm, once the roof is safe to reach
• Before any repair that could trigger the 25 percent rule

Pine Ridge permits come from the Citrus County Building Division. Inverness and Crystal River handle their own permits only inside their city limits. If an inspection leads to a re-roof, the county asks for product-approval documents, a Notice of Commencement where applicable, and inspection photos uploaded as PDFs. An affidavit signed and notarized after the sheathing, fastener and roofing inspection is also required.

The 25 percent rule also shapes the decision. No more than 25 percent of a roof may be repaired or replaced in any 12-month period unless the whole roof is redone. The exception covers only a roof built, repaired or replaced to the 2007 Florida Building Code or later.

Be careful with door-to-door offers. Under Fla. Stat. 489.147 a roofer may not offer anything of value for an inspection or a claim, and may not advise on what your policy covers. For anything about what your policy covers, your insurer or agent is the right person to ask.