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Inspections ยท Bloomingdale

Roof inspections in Bloomingdale, FL

The median age in Bloomingdale is 41.7 years, and the housing is older than the people in it: 80.9 percent of homes here were built before 2000. Many original roofs are likely past 15 years, the age at which Florida insurers start asking questions. An inspection tells you what condition the roof is in before an insurer or a buyer decides for you.

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Updated October 2026

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.

Bloomingdale figures this page uses

Median year homes were built
1989
Share of homes built before 1980
16.4%
Owner-occupied share of occupied homes
80%
Share of homes built before 2000
80.9%

Housing age

Why Bloomingdale roofs reach inspection age

The median Bloomingdale home was built in 1989, and 16.4 percent date from before 1980. That suggests many of the original roofs, or their first replacements, are well past 15 years. Eighty percent of occupied homes here are owner-occupied, so most of these roofs belong to people who will also pay for the repair.

Florida law sets two lines at 15 years. A Bloomingdale roof under 15 years old cannot be the only reason an insurer refuses or drops your policy. Once the roof reaches 15, you may bring in your own inspector at your cost. If that inspector reports 5 or more years of useful life, age alone cannot end the policy.

Citizens Property Insurance draws its own lines. It asks for documented remaining life on shingle roofs older than 25 years and on tile, metal or other hard roofs older than 50 years. Its 4-point inspection applies to properties more than 20 years old, which describes most of Bloomingdale.

Inspection scope

What a roof inspection checks

On the 4-point form, the roof page asks for the material, the roof's age, its remaining life, the last permit date and the share replaced. The inspector also lists damage such as curling, granule loss, exposed felt, loose tabs, soft decking and leaks in the attic or on ceilings.

  • Covering condition and estimated remaining life
  • Permit history, which comes from Hillsborough County for this unincorporated area
  • Attic signs of leaks or soft decking, with photos of each slope

Wind mitigation is a different inspection, recorded on form OIR-B1-1802. It looks at roof shape, deck attachment, roof-to-wall connections and the sealed roof deck, items you cannot see from the ground. A result lasts up to five years unless the house changes. Ask your insurer or agent what it does with the result.

Timing

When to order an inspection in Bloomingdale

Order one before you buy or sell. A buyer's lender or insurer may ask about roof age, and a documented condition report answers that early. Order one when your insurer sends a letter about roof age, since the 15-year rule gives you the right to bring your own inspector.

Order one after a storm, too. Hurricane Irma in 2017 and Hurricane Eta in 2020 both affected the Tampa Bay area, and a new or reopened property claim must reach your insurer within 1 year of the loss date. Ask your insurer about its process before you sign anything with a contractor.

Request a roof inspection

Questions

Roof inspections in Bloomingdale: questions

What is the 15 year roof rule in Florida?

Under Fla. Stat. 627.7011(5), your homeowner policy cannot be refused or left unrenewed solely because the roof is under 15 years old. At the 15-year mark, you are able to bring in an authorized inspector, though you pay for that visit yourself. A finding of 5 or more years of useful life means age alone cannot be the reason for refusal. In Bloomingdale, 80.9 percent of homes were built before 2000, so many owners may meet this rule.

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

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

Your insurer must accept the inspector, and the statute lists the types: a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. The insurer's list of qualified people also includes anyone else it recognizes as having the right credentials. Because 80 percent of Bloomingdale homes are owner-occupied, most residents will pay for this inspection themselves, so confirm with your insurer that your choice qualifies first.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does a roof inspection replace a wind mitigation inspection in Bloomingdale?

No. A roof inspection reports condition, age and remaining life. A wind mitigation inspection records construction features on form OIR-B1-1802, such as roof deck attachment and roof-to-wall connections. The signer must inspect the home personally, and the result lasts up to five years unless the structure changes. With a median build year of 1989 in Bloomingdale, the form's building code era question will matter for many homes. Your insurer or agent can explain how it uses the form.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Do I need a permit for a roof inspection in Bloomingdale?

An inspection alone does not need one. A repair or replacement does, and Bloomingdale is unincorporated, so Hillsborough County's building office issues roof permits. Permit history also appears on the 4-point form's roof section, so keep your records. If a repair would touch more than 25 percent of a roof section in 12 months, the 25 percent rule may require replacing the whole section. Confirm details with the county building office.

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

Related: Roof inspections

Nearby

Roof inspections near Bloomingdale

Sources for this page(38)
  1. 1.Median year homes were built: 1989. 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 1980: 16.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Owner-occupied share of occupied homes: 80%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built before 2000: 80.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  6. 6.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  7. 7.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  8. 8.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  9. 9.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  10. 10.Median age: 41.7. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B01002, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 627.711 (2026). Read Oct 5, 2026.
  21. 21.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  22. 22.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.
  23. 23.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. 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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.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.
  28. 28.Wikipedia, "Bloomingdale, Florida" (secondary source), Wikipedia. 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.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Bloomingdale 2020 Census internal point (27.8767, -82.2614), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Bloomingdale 2020 Census internal point (27.8767, -82.2614), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  35. 35.U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  36. 36.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  37. 37.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  38. 38.City of Tampa; City of Temple Terrace (official), City of Tampa. Read Oct 5, 2026.

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Roof inspections in Bloomingdale

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