Inspections · Clermont
Roof inspections in Clermont, FL
About 24.2% of Clermont homes were built before 2000, so every one of them is past the 20-year age at which Citizens requires a 4-point inspection on new applications. Much of the rest of the city is close behind, and an original roof on a house from the 2006 median is already past Florida's 15-year line.
Updated October 2026
Our workClermont figures this page uses
- Share of homes built before 2000
- 24.2%
- Median year homes were built
- 2006
- Share of homes built 2010 or later
- 33.6%
Local know-how
What Clermont insurers ask about a roof
Florida's 15-year roof rule sets the frame. Fla. Stat. 627.7011(5) bars an insurer from refusing or non-renewing a homeowner's policy only because the roof is younger than 15 years. Past 15, the insurer has to allow an inspection, paid for by the homeowner, before it demands a new roof, and a finding of five or more years of useful life rules out a refusal based on age alone. Clermont's housing is younger than Lake County's, where the median home dates to 1997, but the 33.6% built in 2010 or later is now crossing that line one build year at a time.
Citizens Property Insurance adds two age lines of its own. It requires a 4-point inspection of the roof, electrical, plumbing and HVAC for homes more than 20 years old, and it wants proof of at least five years of remaining life on shingle roofs older than 25 years and on tile or metal roofs older than 50. The roof section of the 4-point records the covering, its age and remaining useful life, the date of the last roofing permit and any partial replacement.
Wind mitigation
The wind mitigation form on a Clermont house
The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and stays valid for up to five years if the house does not change materially. Its first question sorts a home by code era, 2001/2004 or 2007 and later, and that splits Clermont: a house permitted around the 2006 median falls in the first group, while the 33.6% built since 2010 fall in the second. The roof questions that follow cover deck attachment, roof-to-wall connections, roof shape and whether the deck has a sealed secondary water barrier.
Insurers must offer discounts or credits for features that cut wind losses, but the state's consumer notice says those discounts apply only to the hurricane-wind part of a policy and are not added together. Your insurer or agent sets the numbers. Florida law lists who an insurer must accept as the form's signer, among them home inspectors with hurricane mitigation training, building code inspectors, general, building and residential contractors, engineers and architects.
Questions
Roof inspections in Clermont: questions
Does my Clermont house need a 4-point inspection for Citizens?
If the house is more than 20 years old, Citizens requires one with a new application, and that covers every Clermont home built before 2006, including the 24.2% built before 2000. The 4-point looks at the roof, electrical, plumbing and HVAC. Its roof section asks for the covering type, the roof's age, its remaining useful life, the date of the last roofing permit and the share of any partial replacement. A roofing permit on file with City of Clermont Building Services is what fills in that permit date. Private insurers write their own inspection terms, and your agent can say which ones apply.
Source: Citizens Property Insurance Corporation, read Oct 4, 2026
What happens when my Clermont roof turns 15?
Nothing changes on its own, but your insurer gains options. Before 15 years, Florida law says a homeowner's policy cannot be refused or non-renewed because of roof age alone. From 15 on, the insurer may ask for more, yet it must let you have the roof inspected at your own cost before requiring a replacement, and five or more years of remaining life on that report protects the policy from an age-only refusal. With a 2006 median build year, most Clermont houses passed that mark years ago unless they have been re-roofed since.
Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026
Should I get a new wind mitigation inspection after re-roofing in Clermont?
It is worth asking about. A completed OIR-B1-1802 stays valid for up to five years only if no material changes are made to the house, and a re-roof changes two answers it records: how the deck is attached and whether there is a sealed secondary water barrier. Florida's re-roof rules call for both on a replaced roof. Your insurer or agent can say whether a new form would change your premium. The permit and inspection records from City of Clermont Building Services document what was done.
Source: OIR form, read Oct 4, 2026
Sources for this page(17)
- 1.Share of homes built before 2000: 24.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
- 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
- 3.Median year homes were built: 2006. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
- 4.Share of homes built 2010 or later: 33.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
- 5.Permit office: City of Clermont Building Services. City of Clermont Building Services. Read Oct 5, 2026.
- 6.Median year homes were built: 1997. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
- 7.Citizens Property Insurance Corporation. Read Oct 4, 2026.
- 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 9.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 10.Insp4pt 03 25. Read Oct 4, 2026.
- 11.OIR form. Read Oct 4, 2026.
- 12.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
- 13.Florida Office of Insurance Regulation. Read Oct 5, 2026.
- 14.Florida Statutes, section 627.711 (2026). Read Oct 4, 2026.
- 15.FBCR Ch. 9. Read Oct 4, 2026.
- 16.Florida Statutes, section 553.844 (2026), International Code Council (Florida Building Commission). Read Oct 5, 2026.
- 17.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026.
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Roof inspections in Clermont
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