Roof inspections in Thonotosassa, FL

Citizens requires a 4-point inspection on mobile home and dwelling applications for properties more than 20 years old. Since 63.9 percent of Thonotosassa homes predate 2000, many owners here may be asked for one. To learn what applies under your policy, check with your insurer or agent.

The roof section records the covering material, roof age, remaining useful life, last roofing permit and the percentage replaced. It also lists damage such as cracked or missing tabs, granule loss and soft spots in decking. Each roof slope gets its own photos, which are attached to the report.

For shingle roofs older than 25 years, Citizens wants documented proof that at least five years of life remain. Metal, tile and other hard roofing materials fall under a 50-year line. Both are Citizens figures, so other insurers may set different ones.

A roofer's inspection covers what the forms ask: covering, age, remaining life, permit history, leaks and damage. A wind mitigation inspection adds attic items you cannot see, such as roof deck nailing and roof-to-wall connections. The current form is OIR-B1-1802, valid for up to five years if nothing material changes.

• Buying or selling: know the roof's remaining life before closing.
• An insurer letter that questions roof age: order the inspection the statute allows.
• After a storm: have cracked tabs and leaks documented. Near Sun City Center in Hillsborough County, Hurricane Eta in 2020 dropped as much as 10.64 inches of rain.
• Before renewal: gather the permit history for your roof.

Roof permits in Thonotosassa come from the Hillsborough County building office, because the area is unincorporated. Check there for any permit history on your roof.