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Inspections · Groveland

Roof inspections in Groveland, FL

The median Groveland home was built in 2010, so an original roof on it passed 15 years in 2025. Fifteen is the line in Florida's roof law: before it, an insurer cannot drop a policy for roof age alone, and after it, a roof inspection showing five or more years of life left keeps age from being the only reason.

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Updated October 2026

A small beige city hall building with green awnings beside traffic signals and parked cars under a cloudy 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: Groveland City Hall from EB FL 50 and FL 19 by DanTD, CC BY 3.0, cropped

Groveland figures this page uses

Median year homes were built
2010
Share of homes built 2010 or later
50.9%
Share of homes built before 2000
17.4%
Mobile homes, share of housing units
0.6%

Local know-how

Groveland's first roofs reach inspection age

Groveland grew fast enough that 50.9% of its homes date from 2010 or later; across Lake County the median home dates to 1997. Those newer Groveland houses reach the 15-year mark between 2025 and the late 2030s, a few streets at a time. The rule comes from Fla. Stat. 627.7011(5) and covers homeowners' policies issued or renewed on or after July 1, 2022.

The older 17.4% of homes, built before 2000, face a second line. Citizens, the state's own insurer, asks for a 4-point inspection of the electrical, plumbing, heating and cooling, and roof on any home more than 20 years old. It also wants proof of at least five years of remaining life on shingle roofs older than 25 years.

With a 2010 median build year, most Groveland homes were permitted after the 2007 Florida Building Code took effect on March 1, 2009. The wind mitigation form asks for that code era, so the permit history is worth having on hand.

The forms

Three roof forms a Groveland insurer may ask for

  1. The 4-point roof section: covering, age, remaining useful life, the date of the last roofing permit, any partial replacement and its percentage, and a damage list, with photos of each slope.
  2. Citizens' Roof Inspection Form (RCF-1): signed by a general, residential, building or roofing contractor, a building code inspector, or a home inspector holding a Florida license, with photos of each slope.
  3. The wind mitigation form, OIR-B1-1802 (Rev. 04/26): code era, wind region, roof shape, deck nailing, roof-to-wall connections and the secondary water barrier, good for up to five years if nothing material changes.

In Groveland, the permit dates those forms ask for come from the City of Groveland Building Division, which issues the city's residential permits.

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Questions

Roof inspections in Groveland: questions

Does Florida's 15-year roof rule apply to every Groveland home?

It applies to homeowners' policies issued or renewed on or after July 1, 2022, under Fla. Stat. 627.7011(5). Florida Senate staff note that it does not apply to mobile-home policies. In Groveland that exception touches very few houses: the Census survey puts mobile homes at 0.6% of the city's 8,497 housing units. For everyone else, the insurer cannot refuse or non-renew solely because a roof is under 15, and for an older roof it must allow an inspection, at the owner's cost, before requiring a new one.

Source: Fla. Stat. 627.7011, read 2026-10-05.

Related: Roof inspections

How long does a Groveland wind mitigation report last?

Up to five years. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and says a completed form is valid for up to five years as long as no material changes are made to the structure and no errors turn up. Because the median Groveland house dates to 2010, any report from the house's first years has expired; a fresh one records today's roof. Discounts tied to it apply only to the hurricane-wind portion of a policy, and the insurer or agent sets the numbers.

Source: Florida OIR, OIR-B1-1802 and consumer notice OIR-B1-1655, read 2026-10-05.

Related

What does a roof inspector look at on a Groveland house?

Two places: the roof surface and the attic. Outside, the inspector records what Florida's largest insurer lists: cracking, curling, granule loss, exposed felt, missing or loose tabs or tiles, soft decking, hail marks and leaks. In the attic, the inspector photographs what an owner rarely sees: how the deck is nailed, the straps or clips at the walls, and any secondary water barrier. With half of Groveland's homes (50.9%) from 2010 or later, many attics still show the builder's original nailing, which is what the wind form grades.

Source: Citizens 4-Point Inspection Form; OIR-B1-1802, read 2026-10-05.

Related: Roof inspections

Nearby

Roof inspections near Groveland

Sources for this page(25)
  1. 1.Median year homes were built: 2010. 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.
  2. 2.Share of homes built 2010 or later: 50.9%. 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.
  3. 3.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.
  4. 4.Share of homes built before 2000: 17.4%. 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. 5.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.
  6. 6.Permit office: City of Groveland Building Division. City of Groveland Building Division. Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 0.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Housing units (ACS 5-year): 8,497. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. Read Oct 5, 2026.
  9. 9.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.OIR form. Read Oct 4, 2026.
  16. 16.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  19. 19.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.City of Groveland Building Division, City of Groveland. Read Oct 5, 2026.
  21. 21.NOAA Atlas 14 Volume 9 version 2, point precipitation frequency estimates (partial-duration series) at Groveland's 2020 Census internal point, NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10/25/100-year: 9.2/10.5/12.5 in/hr; 60-minute 100-year: 3.9 in/hr
  22. 22.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  23. 23.FBCR Ch. 9. Read Oct 4, 2026.
  24. 24.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  25. 25.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.

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Roof inspections in Groveland

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