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Inspections ยท Citrus County

Roof inspections in Citrus County, FL

Mobile homes make up 21.1 percent of housing units in Citrus County, and the county's median home was built in 1990. By our reading, a lot of original roofs here have likely passed the 15-year mark. Insurers ask about roof age, so a written inspection by a qualified person gives you a record of what is on your roof and how much life it has left.

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Updated October 2026

Granite September 11 memorial with two dark steel panels on a circular base in a sunny park.
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: Liberty Park; Inverness, FL-1 by DanTD, CC BY-SA 4.0, cropped

Roof inspection in Citrus County, in short

With a median build year of 1990 and 68.4 percent of homes built before 2000, many Citrus County roofs are old enough for an insurer to ask about them. Under Florida law, a roof 15 years or older can be inspected at your expense, and 5 or more years of useful life left protects your policy.

Sources for this answer

Citrus County figures

The Citrus County numbers behind this page

Housing units (ACS 5-year)
84,929
Share of homes built before 2000
68.4%
Share of homes built 2010 or later
11.5%
Owner-occupied share of occupied homes
85.2%

Housing age

Why so many Citrus County roofs are due a look

The county counts 84,929 housing units, and 68.4 percent were built before 2000. By our arithmetic, that leaves a little over 30 percent built in 2000 or later. Only 11.5 percent date from 2010 onward. Most roofs here have had time to age.

Age matters even more where mobile homes are common. In Homosassa Springs they are 52.8 percent of housing units, against 8.0 percent statewide. Those roofs are often lighter and older, and you should confirm that an inspector is comfortable working on that type of structure.

Owners carry the decision here. Owners live in 85.2 percent of occupied homes, and the median age across the county is 56.9 years. Many of you are deciding whether to replace a roof or keep it going, and a written inspection helps with that call.

The 15-year rule

Florida's 15-year roof rule and Citrus County homes

Florida Statute 627.7011(5) sets two lines. A roof under 15 years old cannot be the sole reason an insurer refuses or declines to renew your homeowner policy. Once the roof reaches 15 years, the insurer has to let you bring in an authorized inspector, paid for by you, before it asks for a replacement.

If that inspection shows 5 or more years of useful life remaining, roof age alone cannot be the reason for a refusal or non-renewal. With a county median build year of 1990, this is the rule you are most likely to meet. It applies to policies issued or renewed on or after July 1, 2022, and Senate staff note it does not cover mobile home policies.

The choice of which inspectors qualify as authorized rests with your insurance carrier. The statute lists home inspectors, building code inspectors, licensed contractors, engineers and architects, plus anyone else the insurer recognizes. Call your insurer or agent for their list before you book. We cannot tell you what your policy covers.

Insurer forms

The roof section of an insurer's 4-point form

Citizens asks for a 4-point inspection on homes and mobile homes more than 20 years old. The roof section records the covering, roof age, remaining useful life, last permit date and overall condition. It also lists damage such as cracking, curling, granule loss, soft decking and visible leaks.

Citizens also has its own age lines. Shingle roofs older than 25 years, and hard roofs such as tile or metal older than 50 years, need documentation of at least five years of remaining life. Sugarmill Woods was platted in 1972, so some of its older homes may be near those marks.

Citrus County permit records help here. Re-roof permits require product-approval documents and photos of every roof plane, so a past permit can show when your roof was last replaced. Inverness and Crystal River run their own permitting inside city limits, so check with the right office.

Timing

When to order an inspection in Citrus County

  • Buying or selling: a written roof condition report settles the age question before closing.
  • After an insurer letter: a letter citing roof age is the usual trigger for the 15-year inspection.
  • After a storm: Hurricane Elsa (2021) put 2-3 ft of surge along the Citrus coast, and Helene (2024) flooded at least 300 homes in Crystal River and Homosassa Springs.
  • For wind mitigation: form OIR-B1-1802 stays valid up to five years if nothing material changes.

Be careful with storm-chaser offers. Under Florida Statute 489.147, a roofer may not offer anything of value for an inspection or advise you on coverage. Your insurer or agent answers coverage questions.

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Inspections

Roof inspections by town in Citrus County

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Ranges come from published Florida cost guides. They are not South Fork Roofing's prices.

Questions

Roof inspections in Citrus County: questions

How old is the typical roof in Citrus County?

The median home in Citrus County was built in 1990, and 68.4 percent were built before 2000. Many original roofs are likely past 15 years. Roofs get replaced over time, so your own roof may be newer. The permit history for your address, held by the county Building Division or the city of Inverness or Crystal River, shows when the last re-roof was done.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does the 15-year roof rule apply to my mobile home?

Florida Statute 627.7011(5) governs homeowner's policies, and it says an insurer may not refuse to issue or renew a policy solely because the roof is less than 15 years old. If your roof is 15 years old or more, you can ask the insurer to accept an inspection by an authorized inspector, paid for by you. Age alone cannot be the reason it turns down coverage or declines to renew when the inspection finds at least 5 years of useful life remaining. Citrus County has a median age of 56.9 years, so many owners here may face roof-age questions. Whether your mobile home policy falls under this statute depends on the policy type, so ask your insurer or agent.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurer?

Your insurer has the final say. Florida Statute 627.7011(5) lists home inspectors, building code inspectors, general or roofing contractors, engineers and architects, plus anyone the insurer recognizes as qualified. In Citrus County, confirm the choice with your insurer before booking, since a report from someone it does not accept may not count toward the 15-year rule.

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

Related: Roof inspections

What does a roof inspection check?

It follows the forms insurers use. The inspector records covering type, age, remaining useful life and permit history, then looks for cracking, curling, granule loss, soft decking and leaks. With a median home age tied to 1990 in Citrus County, remaining useful life is often the key line, since 5 years or more protects you under the 15-year rule.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

How long do I have to report storm damage?

Unless the insurer receives notice within one year from the date of loss, a new or reopened property claim cannot proceed. A supplemental claim has 18 months. Citrus County was in FEMA declarations DR-4280 for Hermine and DR-4337 for Irma, so storm history here is real. Report to your insurer directly.

Source: FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4280, read Oct 5, 2026

Related: Roof inspections

Citrus County

More in Citrus County

Sources for this page(55)
  1. 1.Housing units (ACS 5-year): 84,929. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 68.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built 2010 or later: 11.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035/B25024, via Census Reporter. Read Oct 5, 2026.
  5. 5.Owner-occupied share of occupied homes: 85.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Median age: 56.9. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Median year homes were built: 1990. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Hurricane Ian (2022). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  9. 9.Hurricane Nicole (2022). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022). Read Oct 5, 2026.
  10. 10.Wikipedia, "Sugarmill Woods, Florida" (revision 1377596989). Read Oct 5, 2026.
  11. 11.Citrus County Building Division, Re-Roof Requirements (Roof Permits Only), revised 04/11/2024 (PDF). Read Oct 5, 2026.
  12. 12.City of Inverness, Permitting. Read Oct 5, 2026.
  13. 13.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016). Read Oct 5, 2026.
  14. 14.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene (AL092024). Read Oct 5, 2026.
  15. 15.Hurricane Elsa (2021). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Elsa (AL052021). Read Oct 5, 2026.
  16. 16.Mobile homes, share of housing units: 21.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  17. 17.Citrus County Building Division. Read Oct 5, 2026.
  18. 18.Hurricane Hermine (2016). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4280. Read Oct 5, 2026.
  19. 19.Hurricane Irma (2017). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337. Read Oct 5, 2026.
  20. 20.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  21. 21.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  22. 22.Insp4pt 03 25. Read Oct 4, 2026.
  23. 23.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  25. 25.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  26. 26.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  27. 27.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  28. 28.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
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  31. 31.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  32. 32.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  33. 33.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  34. 34.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
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  38. 38.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
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  40. 40.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4280, FEMA. Read Oct 5, 2026.
  41. 41.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
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  44. 44.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  45. 45.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  46. 46.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
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  48. 48.Citrus County Building Division (Department of Growth Management), Citrus County Building Division. Read Oct 5, 2026.
  49. 49.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  50. 50.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  51. 51.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  52. 52.Wikipedia, "Citrus County, Florida" (revision 1375161210), Wikipedia. Read Oct 5, 2026.
  53. 53.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  54. 54.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  55. 55.U.S. Census Bureau, 2020 Census (P.L. 94-171) HU100, via TIGERweb tigerWMS_Census2020 MapServer layer 82, U.S. Census Bureau. Read Oct 5, 2026.

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Roof inspections in Citrus County

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