Roof inspections in Egypt Lake-Leto, FL

If you live in one of the mobile homes here, check your own policy terms, because the 15-year section was written for site-built homeowner policies and Senate staff read it as leaving mobile home policies out. Citizens also asks for a 4-point inspection, with a roof section, on dwelling and mobile home applications for properties more than 20 years old. With 83 percent of local homes built before 2000, a 4-point request is a realistic thing to expect.

On the form, the roof portion lists the material, the age, the remaining useful life, the last permit date, whether the replacement was full or partial, and the overall condition. A photo of every slope is attached. Citizens wants documented proof of at least five years of remaining life for shingle roofs past 25 years, or for tile and metal roofs past 50.

Permit records help here. This is unincorporated land, so the Hillsborough County building office issues roof permits, and the date of your last one comes from them. Confirm what they hold for your address.

• Curling, cracking, granule loss, exposed felt and loose or missing tabs or tiles
• Decking that feels soft and stains in the attic or on ceilings
• Remaining useful life and permit history, as insurer forms request
• For wind mitigation, attic items you cannot see: deck nailing, roof-to-wall connectors and any sealed roof deck

Order one when buying, when selling, when an insurer letter questions roof age, or after a storm. Hurricane Eta in 2020 brought up to 10.64 inches of rain near Sun City Center in Hillsborough County. Your insurer needs to receive notice of a new property claim within 1 year of the loss.

A contractor may not offer you anything of value for a roof inspection or advise you on coverage. For the details of your coverage, your insurer or agent is the one to ask.