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Inspections ยท Valrico

Roof inspections in Valrico, FL

In Valrico, 59.1 percent of homes were built before 2000, so many original roofs are likely past the 15-year mark that Florida insurers watch. An inspection tells you the covering's condition and how many years it has left. It also gives you paper to hand an insurer, a buyer or a building office.

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Updated October 2026

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.

Valrico figures this page uses

Share of homes built before 1980
15.1%
Median year homes were built
1996
Owner-occupied share of occupied homes
79%
Mobile homes, share of housing units
14.4%

Roof age

Roof age and the insurer's 15-year line

Roughly 15.1 percent of Valrico homes date from before 1980, and the median home was built in 1996. A home's build year is not its roof's age, since many roofs have been replaced. Still, that housing mix suggests a good number of roofs here sit at or beyond 15 years.

Florida Statute 627.7011(5) bars an insurer from dropping or refusing a homeowner's policy solely over a roof younger than 15 years. After that point, the insurer must allow you to hire an authorized inspector at your own cost. If the report shows 5 or more years of useful life left, age alone cannot be the reason for non-renewal.

The statute names who counts as an authorized inspector: the insurer has to accept the person, and the list covers licensed home inspectors, roofing and general contractors, engineers and architects. A Valrico owner should get the insurer's answer on this in writing before paying anyone.

Inspection scope

What a Valrico roof inspection looks at

The inspector records the covering type, the roof's age, remaining useful life, the date of the last roofing permit, and overall condition. The 4-point form's roof section asks for these items, and Citizens uses that form for properties past 20 years of age.

  • Shingles that crack, cup or curl at the edges
  • Bare spots where granules have worn off the shingle surface
  • Tabs or tiles that are missing, loose or split
  • Decking that feels soft underfoot
  • Stains on attic wood or ceilings that point to a leak

With 14.4 percent of Valrico housing units being mobile homes, check your policy type first. Senate staff say the 15-year statute does not reach mobile home policies. Your insurer or agent can tell you which roof-age terms govern yours.

Citizens sets its own age lines too. It wants documented proof of five years of remaining useful life for shingle roofs older than 25 years, or hard roofs such as tile and metal older than 50 years.

Timing

When to order an inspection

Good moments to book are a home purchase or sale, a roof-age letter from your insurer, and the days after a storm. Hurricane Irma passed between Tampa and Orlando in 2017, and Hurricane Eta dropped up to 10.64 inches of rain near Sun City Center in 2020. Storms like these are reasons to look at the roof afterward.

Claim deadlines are short. A new or reopened claim is barred unless the insurer gets notice within 1 year of the date of loss. A supplemental claim has 18 months. Talk to your insurer about your policy, and do not rely on a contractor for coverage advice.

Valrico is unincorporated, so any repair or replacement that follows an inspection is permitted through the Hillsborough County building office. Ask that office what paperwork your Valrico address needs.

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Questions

Roof inspections in Valrico: questions

Does my Valrico roof need an inspection at 15 years?

Florida does not order one at 15 years. The law says that for a roof 15 years or older, your insurer must let you have an authorized inspector check it at your own expense. If the inspector finds 5 or more years of useful life left, the insurer may not refuse or non-renew you solely for the roof's age. In Valrico, 59.1 percent of homes were built before 2000, so this question comes up often.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

What does the roof section of the 4-point form ask?

It records the covering material, roof age, remaining useful life, date of the last roofing permit, and whether a replacement was full or partial. It also lists the overall condition and any damage found, with photos of each slope. Citizens asks for the 4-point form on properties more than 20 years old. Valrico's median home was built in 1996, so many homes here reach that threshold.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does the 15-year roof rule apply to mobile homes in Valrico?

The 15-year roof rule is Florida Statute 627.7011(5), and it covers homeowner's policies. If your roof has reached 15 years or more, the insurer has to allow an authorized inspector to examine it, and you cover the cost. It may not refuse or non-renew solely for roof age if the inspection shows 5 or more years of useful life left. About 14.4 percent of Valrico housing units are mobile homes, and the statute speaks of homeowner's policies, so ask your insurer or agent which roof-age terms apply to your mobile home policy. A roofer cannot tell you what your policy covers.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who signs a roof inspection form for Citizens in Valrico?

Citizens' roof inspection form must be signed by a general, residential, building or roofing contractor, a building code inspector, or a Florida-licensed home inspector. The form needs photos of each roof slope. In Valrico, where 79 percent of occupied homes are owner-occupied, most signers will be hired by the homeowner. Ask your insurer or agent before booking.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Valrico

Sources for this page(35)
  1. 1.Share of homes built before 1980: 15.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Median year homes were built: 1996. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Owner-occupied share of occupied homes: 79%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Mobile homes, share of housing units: 14.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  6. 6.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  7. 7.Wikipedia articles for each place (secondary). Read Oct 5, 2026.
  8. 8.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  9. 9.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  10. 10.Wikipedia, "Valrico, Florida" (secondary source). Read Oct 5, 2026.
  11. 11.Share of homes built before 2000: 59.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.2023 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).
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API, U.S. Census Bureau (via Census Reporter). 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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  28. 28.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  29. 29.City of Tampa; City of Temple Terrace (official), City of Tampa. Read Oct 5, 2026.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Valrico 2020 Census internal point (27.9191, -82.2313), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  34. 34.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Valrico 2020 Census internal point (27.9191, -82.2313), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Valrico

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