Skip to content

Inspections ยท Spring Hill

Roof inspections in Spring Hill, FL

Only 9.2 percent of Spring Hill homes were built in 2010 or later, so on most houses here a roof that is still original is now 15 years old or more. At that age, section 627.7011 shields a roof from age-based refusals only if an inspection shows 5 years of life left, and Citizens adds a 4-point inspection for homes more than 20 years old.

Request a quote407-242-2840

Updated October 2026

Green lawn in front of a low stone entrance sign with palm trees and flagpoles behind it on a sunny day.
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: Spring Hill, Florida Gateway @ US 19 by DanTD, CC BY-SA 3.0, cropped

Spring Hill figures this page uses

Share of homes built 2010 or later
9.2%
Median year homes were built
1993
Owner-occupied share of occupied homes
80.3%

Local know-how

What insurers ask about a Spring Hill roof

The 15-year rule covers homeowner policies issued or renewed on or after July 1, 2022. Under 15 years, an insurer may not refuse to issue or renew solely because of roof age. At 15 or older, it must let you have an authorized inspector check the roof at your expense before requiring a replacement, and if that inspection shows 5 or more years of useful life, age alone cannot end the policy.

Citizens runs its own lines. A shingle roof older than 25 years, or a tile or metal roof older than 50, needs documentation of at least five years of remaining life. On a median Spring Hill house, built in 1993, a shingle roof that came with the house is past that 25-year mark.

The 4-point form's roof section records the covering, the roof's age and remaining life, the date of the last roofing permit, and damage such as cracking, curling, granule loss, exposed felt and soft decking. In Spring Hill that permit date comes from Hernando County's records, since the county permits every roof in this unincorporated area.

Wind mitigation

Spring Hill wind mitigation, question by question

Form OIR-B1-1802 (Rev. 04/26), in use since April 1, 2026, stays valid for up to five years if nothing material changes. Its first question is the building code era, 2001/2004 or 2007 and later, and the median Spring Hill house predates both, so the roof answers carry the weight: deck attachment, roof-to-wall connections, and whether the deck is sealed under the roofing.

The region question uses the design wind speed for your exact address from ASCE's hazard tool, sorting homes into Region 1 (at least 140 mph), Region 2 (130 to 139) or Region 3 (under 130). The state's consumer notice says wind discounts apply only to the hurricane-wind portion of the policy and are not added together, so your agent is the one to ask what your carrier credits.

Request a quote

Questions

Roof inspections in Spring Hill: questions

Does my Spring Hill home need a 4-point inspection?

If Citizens insures it or you apply there, and the home is more than 20 years old, yes. Citizens requires a 4-point inspection, covering electrical, plumbing, heating and cooling, and the roof, on those applications. Spring Hill's median home was built in 1993 and only 9.2 percent date from 2010 or later, so most houses here are over that line. If you are with another insurer, ask it what it requires.

Source: Citizens Property Insurance, inspections page, read October 4, 2026; ACS 2020-2024 via Census Reporter, read October 5, 2026.

Related: Roof inspections

How long is a Spring Hill wind mitigation report good for?

Up to five years, as long as nothing material changes on the house and no errors turn up on the form. The current version is OIR-B1-1802 (Rev. 04/26), effective April 1, 2026. A re-roof counts as a material change, because a new deck nailing pattern or a sealed roof deck can change the answers, so a fresh form after the job makes sense. If your roof was replaced after Milton's 60 to 70 mph gusts across Hernando County in 2024, an older form may no longer match the house.

Source: Florida OIR form OIR-B1-1802 (Rev. 04/26), read October 4, 2026.

Related: Roof inspections

Who can inspect my Spring Hill roof for the 15-year rule?

An authorized inspector can check your roof, and the statute defines that as someone your insurer approves who is a home inspector, a building code inspector, a general, building, residential or roofing contractor, a professional engineer or an architect, or another person the insurer recognizes as qualified. For a roof 15 years or older, the insurer must let you have that inspection at your own expense before requiring replacement. It may not refuse or non-renew solely for roof age if the inspection shows 5 years or more of useful life remaining. In Spring Hill, where 80.3 percent of occupied homes are lived in by their owners, the bill usually lands on the person living under the roof.

Source: Fla. Stat. 627.7011(5)(a) and (c).

Related: Roof inspections

Nearby

Roof inspections near Spring Hill

Sources for this page(36)
  1. 1.Share of homes built 2010 or later: 9.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.Median year homes were built: 1993. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.Owner-occupied share of occupied homes: 80.3% (36,601 of 45,571 occupied units). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Permit office: Hernando County Building Division. Hernando County Building Division. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 28. Read Oct 5, 2026.
  6. 6.Hurricane Milton (2024). NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  7. 7.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  8. 8.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  10. 10.Insp4pt 03 25. Read Oct 4, 2026.
  11. 11.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.OIR form. Read Oct 4, 2026.
  13. 13.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  14. 14.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  15. 15.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  16. 16.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  17. 17.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  18. 18.Hernando County Building Division, Hernando County. Read Oct 5, 2026. Official page checked 2026-10-05. Unincorporated census-designated place (Census 2020 place-by-county file, FUNCSTAT S = statistical entity, not a municipality), so permits fall to the county building office. County office page verified this run.
  19. 19.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), National Weather Service. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004 and B25001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau. Read Oct 5, 2026.
  22. 22.NOAA NCEI Storm Events Database, event 785861 (Tornado, 2018-11-02, zone/county HERNANDO), bulk details file, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  23. 23.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report), National Weather Service. Read Oct 5, 2026.
  24. 24.NOAA NCEI Storm Events Database bulk details files 2016-2025 (operator count by BEGIN_LOCATION; event ids: 648332, 820446, 1151719, 1174626), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  25. 25.Hernando County, Residential Building Permit Exemption List (PDF linked from the Building page), Hernando County. Read Oct 5, 2026.
  26. 26.Hernando County Emergency Management, Flooding, Hernando County. Read Oct 5, 2026.
  27. 27.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report); NHC TCR AL102023; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), National Weather Service. Read Oct 5, 2026.
  28. 28.NHC TCR AL092024; NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report); FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  30. 30.Senate SB 808 staff analysis pp. 3-4, Florida Senate. Read Oct 5, 2026.
  31. 31.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026.
  32. 32.FBC-B 2023 Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  33. 33.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026.
  34. 34.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  35. 35.Florida Statutes, section 215.5586 (2026), Florida Legislature. Read Oct 4, 2026.
  36. 36.My Safe Florida Home program, My Safe Florida Home (Florida Department of Financial Services). Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Spring Hill

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote