Roof inspections in Temple Terrace, FL

Once a roof reaches 15 years, your insurer must allow an authorized inspector to examine it, and you pay for that visit. A finding of 5 or more years of useful life stops the insurer from dropping or non-renewing you for age alone. For a Temple Terrace home from the 1982 median, that rule can apply to an original roof.

The 4-point form has a roof section that records the covering material, roof age, remaining useful life, last permit date, any partial replacement and its percentage, and the damage list. For properties over 20 years old, Citizens requires that form. It also wants documented remaining life on soft roofs older than 25 years.

The wind mitigation form, OIR-B1-1802, adds attic items you cannot see from the ground: deck attachment, roof-to-wall connections and a sealed roof deck. A completed form can be reused for up to five years while the structure stays unchanged.

Inspectors look for cracking, curling, heavy granule loss, exposed felt, loose or missing tabs and tiles, soft decking, and leaks in the attic or on ceilings. They photograph each slope. Hillsborough County storms such as Hurricane Irma in 2017 and Eta in 2020 are reasons some owners schedule a check afterward.

• Buying or selling a home built before 2000, as 86.1 percent here were.
• Receiving an insurer letter about roof age.
• Renewing a policy on a roof near or past 15 years.
• Right after a storm, and ahead of the deadline for giving notice of a claim within one year.

If a repair or replacement follows, the permit comes through the City of Temple Terrace Building and Permitting office. Under the 25 percent rule, repairing more than 25 percent of a roof in 12 months can require replacing the whole roof unless it was built to the 2007 code or later. Confirm details with the building office.