Skip to content

Inspections ยท Plant City

Roof inspections in Plant City, FL

Mobile homes make up 5.8 percent of Plant City's housing units, close to the county's 6.5 percent, and most of the rest are site-built houses with a median build year of 1989. Insurers treat the two differently, so a roof inspection in Plant City starts with which kind of home you own.

Request a quote407-242-2840

Updated October 2026

Two-lane road with yellow center lines runs toward a JCT US 92 route sign under a clear blue sky.
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: EB FL 574; JCT US 92; Plant City by DanTD, CC BY-SA 4.0, cropped

Plant City figures this page uses

Mobile homes, share of housing units
5.8%
Median year homes were built
1989
Single-family detached share of housing units
67.6%
Share of homes built before 2000
69.7%

Local know-how

Two sets of rules: Plant City houses and mobile homes

For a site-built house on a homeowner policy issued or renewed since July 1, 2022, Fla. Stat. 627.7011(5) bars an insurer from refusing coverage only because the roof is younger than 15 years. Once the roof passes 15, the insurer must accept an inspection by an authorized inspector, at your cost, and cannot refuse on age alone if it shows at least 5 years of life left. Single-family detached homes are 67.6 percent of the city's housing.

Mobile homes sit outside that section, Senate staff note. Citizens still requires a 4-point inspection, which covers the roof along with electrical, plumbing and HVAC, on mobile home applications for properties more than 20 years old, the same line it draws for houses. Its roof-age rule adds documentation of five years of remaining life for shingle roofs past 25 and hard roofs past 50.

Citizens' own Roof Inspection Form, RCF-1, must be signed by a general, residential, building or roofing contractor, a building code inspector or a Florida-licensed home inspector, with photos of every roof slope.

Wind mitigation

Wind credits on a 1989 Plant City house

The wind mitigation form, OIR-B1-1802, grades what an inspector finds in the attic: how the deck is nailed, how the roof is tied to the walls, the roof's shape and whether the deck is sealed. On deck attachment, staples or 6d nails at 6 inches on the edges and 12 in the field earn rating A; 8d nails at 12 inches in the field rate B; 8d nails at 6 inches rate C.

Roof-to-wall ties are graded from toenails up through clips, single wraps and double wraps to structural anchors, and a metal connector only counts with at least three nails into the truss. A house from 1989, Plant City's median year, predates the form's 2001 code-era box, so these attic items carry its credits. The design wind speed for the address comes from ASCE's hazard tool.

Request a quote

Questions

Roof inspections in Plant City: questions

Does Florida's 15-year roof rule cover my Plant City mobile home?

Florida's 15-year roof rule is in Fla. Stat. 627.7011(5), and it speaks to homeowner's policies. For a roof 15 years or older, the insurer must allow you to have an authorized inspector check it at your expense, and it may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Mobile homes are 5.8 percent of Plant City's housing units, so whether your policy falls under this section is worth asking about. An authorized inspector can be a licensed home inspector, a roofing contractor, an engineer, an architect, or anyone else your insurer recognizes as qualified. Your agent or insurer can confirm what your policy asks for.

Related: Roof inspections

Who can inspect my Plant City roof for the 15-year rule?

An inspector your insurer approves who is also one of the people the statute lists: a home inspector under section 468.8314, a building code inspector, a general, building or residential contractor, a roofing contractor, a professional engineer, an architect, or anyone else the insurer recognizes as qualified. The inspection is at the homeowner's expense. For the 69.7 percent of Plant City homes built before 2000, an original roof would be well past 15 years, so expect the question at renewal.

Source: Fla. Stat. 627.7011(5)(a) and (c), read October 5, 2026.

Related: Roof inspections

How long is a wind mitigation report good for on a Plant City house?

Up to five years. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and is valid for up to five years as long as no material changes are made to the structure and no inaccuracies are found on it. A re-roof is the kind of change that can alter its answers, so a house that gets a new roof under a City of Plant City permit is a good candidate for a fresh form.

Source: Florida OIR, OIR-B1-1802 (Rev. 04/26), adopted by Rule 69O-170.0155, F.A.C., read October 4, 2026.

Related: Roof inspections

Nearby

Roof inspections near Plant City

Sources for this page(72)
  1. 1.Mobile homes, share of housing units: 5.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  2. 2.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.
  3. 3.Single-family detached share of housing units: 67.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built before 2000: 69.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: City of Plant City - Building (Development Services). City of Plant City - Building (Development Services). Read Oct 5, 2026.
  6. 6.Wikipedia, "Plant City, Florida" (secondary source). Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 6.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  11. 11.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  12. 12.OIR form. Read Oct 4, 2026.
  13. 13.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  14. 14.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  15. 15.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  16. 16.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  17. 17.City of Plant City, Building (Development Services). Read Oct 5, 2026. Official page fetched 2026-10-05 (HTTP 200).
  18. 18.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY, FL, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  21. 21.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.OpenFEMA Disaster Declarations Summaries v2 (Hillsborough County, 2016 on), FEMA. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Debby, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.Senate SB 808 staff analysis pp. 3-4, Florida Legislature. Read Oct 5, 2026.
  29. 29.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026.
  30. 30.FEMA FL-RA2, FEMA. Read Oct 5, 2026.
  31. 31.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  32. 32.FBC-B 2023 Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  33. 33.Insp4pt 03 25, Citizens Property Insurance Corporation. Read Oct 4, 2026.
  34. 34.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25, Citizens Property Insurance Corporation. Read Oct 4, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the Plant City 2020 Census internal point (28.0144, -82.1203), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.Hillsborough County, Building Permits & Records (unincorporated Hillsborough County). Read Oct 5, 2026. Official page fetched 2026-10-05 (HTTP 200).
  37. 37.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026.
  38. 38.Florida Statutes, section 553.844 (2026), International Code Council (Florida Building Commission). Read Oct 5, 2026.
  39. 39.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026.
  40. 40.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  41. 41.eng.ufl.edu, University of Florida / UF/IFAS. Read Oct 5, 2026.
  42. 42.Florida Statutes, section 489.103 (2026), Florida Legislature. Read Oct 5, 2026.
  43. 43.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer), International Code Council (Florida Building Commission). Read Oct 4, 2026.
  44. 44.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  45. 45.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  46. 46.FBC-B 2023 Ch. 15, UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  47. 47.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  48. 48.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  49. 49.FBC-B Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  50. 50.apoc.com, apoc.com. Read Oct 5, 2026.
  51. 51.FBC-Building 2023 Chapter 2 definitions, UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  52. 52.U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  53. 53.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, www.floridaroof.com. Read Oct 5, 2026.
  54. 54.Miami-Dade County RER notice, www.miamidade.gov. Read Oct 5, 2026.
  55. 55.Florida Statutes, section 553.791 (2026), Florida Legislature. Read Oct 5, 2026.
  56. 56.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  57. 57.FBCR Ch. 8, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  58. 58.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  59. 59.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  60. 60.Florida Statutes, section 553.837 (2026), Florida Legislature. Read Oct 5, 2026.
  61. 61.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  62. 62.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  63. 63.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  64. 64.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  65. 65.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  66. 66.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  67. 67.bergerbp.com, bergerbp.com. Read Oct 5, 2026.
  68. 68.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7, UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  69. 69.ask.ifas.ufl.edu, University of Florida / UF/IFAS. Read Oct 5, 2026.
  70. 70.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026.
  71. 71.ufdcimages.uflib.ufl.edu, University of Florida / UF/IFAS. Read Oct 5, 2026.
  72. 72.blogs.ifas.ufl.edu, University of Florida / UF/IFAS. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Plant City

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote