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Inspections · Lady Lake

Roof inspections in Lady Lake, FL

Mobile homes are 31.2% of Lady Lake's housing, and the town's median resident is 66.9 years old. Both shape a roof inspection here: Florida's 15-year roof law covers homeowner's policies but not mobile home policies, and Citizens wants a 4-point on any mobile home application for a property more than 20 years old.

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Updated October 2026

Modern white municipal complex building with a tower and entrance canopy, shrubs and parking spaces in front.
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: Lady Lake Town Hall01 by Ebyabe, CC BY-SA 3.0, cropped

Local know-how

Which form fits a Lady Lake home

  • Site-built home, roof under 15 years: an insurer cannot refuse or drop a homeowner's policy for roof age alone (627.7011(5)(b)).
  • Site-built home, roof 15 or older: you may have an authorized inspector document its remaining life before the insurer requires a replacement, and five years or more keeps age alone from ending coverage (627.7011(5)(c)).
  • Mobile home: the 15-year section does not apply, Senate staff note, and Citizens requires a 4-point for applications on properties more than 20 years old.
  • Any home seeking wind credits: form OIR-B1-1802, valid up to five years if the house does not change materially.

With a 1994 median build year, most Lady Lake houses are past Citizens' 20-year line for the 4-point, whatever the age of the roof.

The roof section

What the inspector writes down here

The 4-point's roof section records the covering type, the roof's age and remaining useful life, the date of the last roofing permit and whether the last replacement was full or partial. With photos of each slope, it can stand in for Citizens' separate roof form.

For older roofs, Citizens wants paperwork: past 25 years on shingle, or 50 on tile, slate, concrete or metal, the inspection must show at least five years of useful life remaining.

Storm history ends up in the file too. Irma's 11.03 inches at Lady Lake in 2017 and Milton's 8.26 inches south of town in 2024 are the kind of events that leave attic stains an inspector will note.

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Questions

Roof inspections in Lady Lake: questions

What can fail a 4-point inspection on a Lady Lake roof?

The insurer decides, but the form shows what it weighs. Its damage checklist covers cracking, cupping or curling, excessive granule loss, exposed asphalt or felt, missing, loose or cracked tabs or tiles, soft spots in the decking, visible hail damage, and leaks in the attic or on ceilings. Visible damage and a short remaining life are what draw an insurer's attention. On a Lady Lake house built around the 1994 median that still has its original roof, the roof's age alone can raise questions, so have the date of any re-roof permit ready.

Source: Citizens 4-Point Inspection Form (Insp4pt 03 25), read October 4, 2026.

Related: Roof inspections

Does my Lady Lake roof's shape matter on the wind mitigation form?

Yes. The form grades roof geometry, and a hip roof qualifies only if non-hip features make up no more than 10% of the total roof perimeter. It also records slope, deck attachment, the roof-to-wall connection and any secondary water barrier. Insurers must offer discounts or credits for features shown to reduce windstorm loss, and the state's notice says those discounts apply only to the hurricane-wind portion of the policy. Lake County's record, including Irma's 60-knot gust at Leesburg in 2017, is why those features get weighed.

Source: Florida OIR forms OIR-B1-1802 and OIR-B1-1655, and Fla. Stat. 627.0629, read October 4 and 5, 2026.

Related

Who pays for the roof inspection under the 15-year rule?

You do. For a roof at least 15 years old, Florida requires the insurer to allow an inspection by an authorized inspector at the homeowner's expense before it requires a replacement. If that report shows 5 years or more of useful life remaining, the insurer may not refuse or non-renew on roof age alone. Owners live in 73.5% of Lady Lake's occupied homes, and for site-built ones this is the route; mobile home policies sit outside it. Your insurer or agent can tell you which inspectors it approves.

Source: Fla. Stat. 627.7011(5), read October 4 and 5, 2026.

Related: FAQ

Nearby

Roof inspections near Lady Lake

Sources for this page(22)
  1. 1.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.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Median year homes were built: 1994. 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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  5. 5.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  6. 6.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 73.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  11. 11.Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.OIR form. Read Oct 5, 2026.
  15. 15.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  16. 16.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  17. 17.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  18. 18.Florida Statutes, section 553.844 (2026), Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  19. 19.National Roofing Contractors Association. Read Oct 5, 2026.
  20. 20.FBC-B 2023 Ch. 1, Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  21. 21.FEMA FL-RA2, FEMA. Read Oct 5, 2026.
  22. 22.NOAA NHC, NOAA. Read Oct 5, 2026.

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Roof inspections in Lady Lake

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