Hillsborough County · Census-designated place
Roofing in Carrollwood, Florida
Carrollwood was hit by the tornado outbreak of April 4, 1966, and most of its homes were built before or soon after that storm. About 91.6 percent of the housing here predates 2000. That suggests many original roofs are well past their expected life. Hillsborough County, not a city, issues your roof permit.
Updated October 2026
Housing age
How old Carrollwood homes shape your roof
More than 900 homes went up around Lake Carroll between 1959 and 1970, and Carrollwood Village followed in the early 1970s. The median year built is 1984, and 33.8 percent of homes predate 1980. A median year describes homes, not roofs, so check your own roof's replacement date on the permit record.
Only 2.4 percent of homes here date from 2010 or later. Newer construction is rare, so most roofs you see have been replaced at least once, and the age of that replacement matters more than the age of the house.
Florida rules
Insurer roof-age rules and the 25 percent rule
An insurer may not refuse or non-renew your homeowner's policy solely because the roof is under 15 years old. When your roof hits the 15-year mark, you can pay an authorized inspector to evaluate it. If that inspection shows 5 or more years of useful life left, age alone cannot be the reason for refusal. Check with your insurance company or agent to see what this means for your coverage.
The Florida Building Code limits partial work. No more than 25 percent of a roof section may be repaired or replaced in 12 months unless the whole section is redone. The exception covers a roof built or replaced under the 2007 code or later. With 91.6 percent of Carrollwood homes built before 2000, many roofs here may not qualify for that exception.
- Founded in 1959 and built out in the 1960s; more than 900 homes were built around Lake Carroll from 1959 through 1970, and Carrollwood Village followed in the early 1970s.
- Struck by the Central Florida tornado outbreak of April 4, 1966.
- Water covers 10.2% of the place's total area.
Permits
Permits, contractors and mobile homes in Carrollwood
Carrollwood is an unincorporated area, so the Hillsborough County building office issues roof permits. If work hasn't begun within 6 months of the permit date, or pauses for 6 months, the permit expires. Record a Notice of Commencement and display it at the job site before the first inspection takes place. Confirm current permit steps with the county office.
Roofing is a licensed trade in Florida, and a general contractor must subcontract roofing unless that contractor holds a roofing certificate or registration. Mobile homes are only 1.7 percent of Carrollwood housing, and they follow the HUD code, so ask the county office which rules apply to yours. Planned subdivisions from 1959 to 1970 may carry their own community rules, so check with your association.
Building permits
Hillsborough County - Building Permits & Records (unincorporated Hillsborough County)
Official building pageOffice names and links only. Fees, forms and timing change; check the official page.
Local weather
Storms and rain your Carrollwood roof faces
Tampa's normal rainfall is 49.48 inches a year, and about 61 percent falls from June through September. Atlas 14 puts a 10-year, 24-hour storm at 6.69 inches and a 100-year storm at 12.1 inches. Roof flashing and gutters need to handle those bursts.
Hurricane Eta in 2020 brought up to 10.64 inches of rain near Sun City Center, and Hermine in 2016 caused freshwater flooding across Hillsborough County. Water covers 10.2 percent of Carrollwood's area, which includes Lake Magdalene and other lakes, so wet ground and tree fall are real concerns.
Services
Roofing services in Carrollwood
- Roof replacementTear-off, deck, code items and the two inspections.Re-roofs in Carrollwood
- Roof repairLeaks, lifted shingles, cracked tile and flashing.Repairs in Carrollwood
- Roof inspectionsRoof age, condition and what an insurer asks about.Inspections in Carrollwood
- Commercial roofingLow-slope systems, drainage and the code for buildings.Commercial roofs in Carrollwood
- New construction roofingDry-in, the sheathing inspection and the code edition.New construction in Carrollwood
- GuttersSizing for Florida rain, downspouts and fascia.Gutters in Carrollwood
Questions
Carrollwood roofing questions
Who issues a roof permit in Carrollwood?
Hillsborough County's building office issues roof permits, because Carrollwood is an unincorporated area and has no city building department. Permits become invalid if work does not begin within 6 months or stops for 6 months. Confirm current application steps with the county building office before work starts.
Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026
My Carrollwood roof is over 15 years old. Can my insurer drop me?
Not solely for age if an authorized inspector finds 5 or more years of useful life left. For a roof 15 years or older, Florida law lets you have that inspection done at your own expense. Many Carrollwood homes were built before 2000, so this applies to many owners here. Ask your insurer or agent about your specific policy.
Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
What is the 25 percent rule for a Carrollwood roof repair?
The Florida Building Code says no more than 25 percent of a roof section can be repaired or replaced in 12 months unless the whole section is replaced. This does not apply if the roof was built or replaced under the 2007 code or a later one. With a median build year of 1984, confirm your roof's history with the county office.
Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
How much rain should a Carrollwood roof handle?
Tampa averages 49.48 inches of rain a year, with about 61 percent from June through September. NOAA Atlas 14 shows a 1-hour rain in a 10-year storm falling at 2.92 inches an hour. A sound roof with good flashing and clear gutters is built for those rates.
Source: NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, read Oct 5, 2026
Is metal roofing allowed in Carrollwood?
Metal roofing is a roof covering, so it needs a county permit and must carry statewide product approval under Florida law. Unless a product has been approved, it may not be marketed as hurricane or impact protection. Because Carrollwood has planned subdivisions from 1959 to 1970, ask your association about any appearance rules too.
Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026
Hillsborough County
More in Hillsborough County
Sources for this page(27)
- 1.Wikipedia, "Carrollwood, Florida" (secondary source). Read Oct 5, 2026.
- 2.Median year homes were built: 1984. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 3.Share of homes built before 1980: 33.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 4.Wikipedia articles for each place (secondary). Read Oct 5, 2026.
- 5.Share of homes built 2010 or later: 2.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 6.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
- 7.Share of homes built before 2000: 91.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 8.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
- 9.Mobile homes, share of housing units: 1.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 10.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP. Read Oct 5, 2026.
- 11.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
- 12.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
- 13.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
- 14.People (2020 Census): 34,352. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
- 15.Owner-occupied share of occupied homes: 68.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 16.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.
- 17.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 4, 2026.
- 18.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 19.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
- 20.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 21.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 22.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
- 23.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Carrollwood 2020 Census internal point (28.0582, -82.5158), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
- 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
- 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Carrollwood 2020 Census internal point (28.0582, -82.5158), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 27.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
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