Inspections ยท Citrus Park
Roof inspections in Citrus Park, FL
Mobile homes make up 1.4 percent of Citrus Park housing units, so nearly every roof here sits on a site-built house. Of those homes, 59.7 percent were built before 2000. Many of these homes likely have roofs old enough to draw an insurer's attention, and an inspection tells you where yours stands.
Updated October 2026
Citrus Park figures this page uses
- Median year homes were built
- 1993
- Share of homes built before 2000
- 59.7%
- Share of homes built before 1980
- 10.2%
- Owner-occupied share of occupied homes
- 66.4%
Roof age
How a roof's age and the 15-year mark play out for homeowners in Citrus Park
The median Citrus Park home was built in 1993, and 10.2 percent date from before 1980. A home's build year does not give a roof's age, since many have been replaced. Still, with 59.7 percent built before 2000, that suggests many roofs here have reached or passed 15 years.
State law draws its roof line at 15 years. Your insurer may not refuse to issue or renew a policy solely because a roof is under 15 years old. When your roof turns 15, you can pay an authorized inspector yourself, and the insurer has to accept that inspection. Should the inspector report 5 or more years of useful life remaining, the insurer cannot cite age alone as grounds to refuse or non-renew.
Authorized inspectors include a licensed home inspector, a building code inspector, a roofing contractor, an engineer or an architect, once your insurer accepts them. In Citrus Park, 66.4 percent of occupied homes are owner-occupied, so most of these inspections are paid for by the people who live under the roof.
Inspection scope
What a roof inspection checks
For your insurer, the inspector fills in the roof section of the 4-point form. It records the covering, the roof's age, remaining life, the last roofing permit date and the share of the roof replaced. Permits for Citrus Park roofs come from the Hillsborough County building office, so that history is on record there.
- Shingles that have cracked, cupped or curled, along with granules that have washed off the surface
- Bare asphalt or felt showing, and tabs or tiles that are loose, cracked or gone
- Soft spots in the decking under the covering
- Leak stains in the attic and on ceilings inside the house
A wind mitigation inspection is separate. It looks at roof deck attachment, roof-to-wall connections and the sealed roof deck, items you cannot see from the ground. The current form, OIR-B1-1802, is valid up to five years if nothing material changes on the structure.
Timing
When to order an inspection
Buying or selling a house, getting a roof-age letter from your insurer, or coming through a storm are the usual triggers. Hurricane Eta in 2020 brought up to 10.64 inches of rain to Hillsborough County, and water tests an aging roof. Citizens requires a 4-point inspection for properties over 20 years old, and documented useful life for shingle roofs past 25 years.
If a roofer calls offering something of value for an inspection, be wary. Florida Statute 489.147 bars contractors from that and from advising on what a policy covers. Ask your insurer or agent about coverage. Notice of a new claim is barred if it reaches the insurer more than 1 year after the loss.
Questions
Roof inspections in Citrus Park: questions
What is the 15 year roof rule in Florida?
Florida Statute 627.7011(5) bars an insurer from refusing or non-renewing a homeowner's policy solely on the grounds that the roof is under 15 years old. Once a roof is 15 or older, an authorized inspector can examine it at your expense. Age alone cannot justify a refusal or non-renewal when the inspector finds 5 or more years of useful life left. In Citrus Park, 59.7 percent of homes were built before 2000, so the rule touches many owners.
Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
Who can inspect my Citrus Park roof for my insurer?
The inspector must be accepted by your insurer and be one of the types the statute lists: a licensed home inspector, a building code inspector, a general, building, residential or roofing contractor, an engineer or an architect. A contractor, building code inspector or Florida-licensed home inspector has to sign the Citizens roof form, and photos of each roof slope must go with it. In Citrus Park, where 59.7 percent of homes were built before 2000, confirm your insurer's list before booking.
Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
Does the 4-point inspection include the roof?
Yes. The 4-point inspection covers electrical, plumbing, HVAC and roof. Citizens requires it for properties more than 20 years old. In Citrus Park, 10.2 percent of homes date from before 1980 and 59.7 percent from before 2000, so many owners may be asked for one. The roof section records material, age, remaining life, permit history and damage, and photos of each slope can stand in for the separate roof form.
Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
Do roof repairs in Citrus Park need a permit?
Permits for Citrus Park, an unincorporated area, come from the Hillsborough County building office. Confirm with that office whether your specific repair needs one. Permit history also matters later, because the 4-point form asks for the date of the last roofing permit. The 25 percent rule applies when more than 25 percent of a roof is repaired in 12 months, unless the roof was built or redone under the 2007 Florida Building Code or later.
Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026
Sources for this page(38)
- 1.Median year homes were built: 1993. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built before 2000: 59.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 3.Share of homes built before 1980: 10.2%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 4.Owner-occupied share of occupied homes: 66.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 5.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
- 6.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
- 7.Wikipedia, "Citrus Park, Florida" (secondary source). Read Oct 5, 2026.
- 8.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
- 9.Mobile homes, share of housing units: 1.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 11.Insp4pt 03 25. Read Oct 4, 2026.
- 12.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
- 14.OIR form. Read Oct 4, 2026.
- 15.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
- 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
- 17.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
- 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
- 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 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.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
- 23.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
- 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
- 25.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
- 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
- 28.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
- 29.City of Tampa; City of Temple Terrace (official), City of Tampa. Read Oct 5, 2026.
- 30.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 31.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Citrus Park 2020 Census internal point (28.0710, -82.5622), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 33.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
- 34.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
- 35.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
- 36.Wikipedia articles for each place (secondary), Wikipedia. Read Oct 5, 2026.
- 37.U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
- 38.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Citrus Park 2020 Census internal point (28.0710, -82.5622), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
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Roof inspections in Citrus Park
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