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Inspections ยท Apollo Beach

Roof inspections in Apollo Beach, FL

Mobile homes are 2.9 percent of Apollo Beach housing units, and they follow different rules from site-built houses. For the rest, a roof inspection matters most when a roof nears 15 years, because Florida's insurer rule for older roofs starts at that age.

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Updated October 2026

Several manatees float in calm water with a large industrial power station and palm trees behind them.
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: Manatees in water near Big Bend Power Station, Apollo Beach, Florida, on 21 by MatthewHoobin, CC0, cropped

Apollo Beach figures this page uses

Median year homes were built
2010
Share of homes built before 2000
30.5%
Share of homes built before 1980
11.4%
Owner-occupied share of occupied homes
85.7%

Housing age

Apollo Beach roof ages in a young community

The median home here was built in 2010, so most roofs are younger than in older Hillsborough County towns. Still, 30.5 percent of homes were built before 2000, and 11.4 percent before 1980. Many of those homes are likely on a second or third roof, and some original roofs may remain.

The age that counts is the roof's own age, not the house's. A home built in 2010 may carry a roof replaced in 2019, or the original. Your permit history shows which. Permits here come from the Hillsborough County building office, since Apollo Beach is unincorporated.

With 85.7 percent of occupied homes owner-occupied, most roofs have one owner who decides when to inspect. Few landlords are involved to schedule it for you.

The 15-year rule

The 15-year insurer rule and your roof

Under Fla. Stat. 627.7011(5), an insurer may not refuse or decline to renew a homeowner's policy solely because a roof is under 15 years old. At 15 years or older, you may have an authorized inspector check it at your own expense.

Suppose that check finds at least 5 years of useful life remaining. Then the insurer cannot decline or non-renew you for age alone. Your insurer must accept the inspector, who can be a licensed home inspector, roofing contractor or engineer. The rule reaches policies issued or renewed from July 1, 2022 onward. It leaves out mobile home policies, which matters for the 2.9 percent of Apollo Beach units that are mobile homes.

For older homes, Citizens asks for a 4-point inspection on properties over 20 years old. Its roof section records material, roof age, remaining life, last permit and damage. Citizens wants documented remaining life on shingle roofs past 25 years and on tile or metal past 50.

Inspection basics

What the inspector looks at, and good times to book

The inspector looks for cracking, curling, heavy granule loss, exposed asphalt or felt, loose or missing tabs and tiles, soft decking and leaks in the attic or on ceilings. Photos of each slope usually go with the report.

Good times to book are a home sale, a roof-age letter from your insurer, or the days after a storm. Hurricane Eta in 2020 put 3 to 4 feet of surge over ground level around Tampa Bay and dropped up to 10.64 inches of rain near Sun City Center. Heavy rain finds weak spots, so check afterward.

Be careful if a contractor offers an inspection as a giveaway or urges you to file a claim. Fla. Stat. 489.147 bars roofers from offering anything of value for an inspection or a claim. Your insurer or agent is the right person to answer any questions about what your policy covers.

Request a roof inspection

Questions

Roof inspections in Apollo Beach: questions

How old is too old for a roof in Apollo Beach?

There is no single cutoff. At 15 years, Florida law lets you hire an authorized inspector at your own expense, and an insurer may not refuse or non-renew solely for age if 5 or more years of life remain. Citizens sets its documentation line at 25 years for shingle and 50 for hard roofs. With 30.5 percent of Apollo Beach homes built before 2000, plenty of roofs here have reached these ages.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

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

The 15-year roof rule in Fla. Stat. 627.7011(5) is written for homeowner's policies, and Senate staff note it does not apply to mobile home policies. Where it does apply, an insurer may not refuse to issue or renew a policy solely because a roof is less than 15 years old. When your roof has reached 15 years or more, your insurer has to allow an authorized inspector to examine it at your cost, and it cannot decline coverage or non-renew purely because of age if that inspection finds at least 5 years of useful life remaining. Mobile homes are 2.9 percent of housing units in Apollo Beach, so most homes there fall under the rule.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who pays for the roof inspection my insurer asks about?

Under Fla. Stat. 627.7011(5)(c), the homeowner pays when having an authorized inspector check a roof 15 years or older. The insurer must allow the inspection before requiring replacement. Your insurer must accept the inspector, who can be a licensed home inspector, roofing contractor or engineer. Before you book an inspection, check with your insurer about which inspectors it will accept.

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

Related: Roof inspections

Who handles roof permits in Apollo Beach?

Because Apollo Beach is in unincorporated Hillsborough County, roof permits come from the county building office rather than a city. A permit record helps an inspector date your roof and fills the last-permit line on the 4-point form. Confirm current requirements with the building office.

Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Apollo Beach

Sources for this page(36)
  1. 1.Median year homes were built: 2010. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 30.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built before 1980: 11.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  5. 5.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  6. 6.Owner-occupied share of occupied homes: 85.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 2.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  9. 9.Wikipedia, "Apollo Beach, Florida" (secondary source). Read Oct 5, 2026.
  10. 10.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  11. 11.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  12. 12.Wikipedia articles for each place (secondary). Read Oct 5, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  26. 26.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  30. 30.City of Tampa; City of Temple Terrace (official), City of Tampa. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  33. 33.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  34. 34.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Apollo Beach 2020 Census internal point (27.7630, -82.4006), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Apollo Beach

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