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Inspections ยท Mascotte

Roof inspections in Mascotte, FL

Half of Mascotte's homes were built in 2004 or earlier, so a house at the median is now past 20 years old, the age at which Citizens Property Insurance requires a 4-point inspection on new applications. A roof inspection here is mostly about answering the insurer's forms with photos, dates and an honest estimate of remaining life.

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Updated October 2026

Green and white Welcome to the City of Mascotte sign standing under a large oak tree.
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: Mascotte FL city sign01 by Ebyabe, CC BY-SA 3.0, cropped

Mascotte figures this page uses

Share of homes built before 2000
39.8%
Share of homes built 2010 or later
35.1%
Owner-occupied share of occupied homes
77.4%
Median year homes were built
2004

Local know-how

The roof questions Mascotte insurers ask, house by house

The forms ask the same things of every house: covering type, age, remaining useful life, the date of the last roofing permit, and a damage list running from curling and granule loss to soft decking and attic leaks. A 4-point report with photos of every slope can stand in for Citizens' separate roof form.

Age is where Mascotte's split housing stock shows. The 39.8% built before 2000 are well past Citizens' 20-year line for the 4-point. The 35.1% built since 2010 are just now crossing 15 years, when Florida's protection against age-only refusals ends and an inspection showing five or more years of life becomes the homeowner's answer.

Citizens draws its own line too: shingle roofs over 25 years and tile or metal roofs over 50 need documents showing at least five years of useful life left. 77.4% of Mascotte's occupied homes are owner-occupied, close to the county's 77.6%, and those owners are the ones reading the renewal notices.

Wind mitigation

Wind mitigation forms on 2000s and 2010s houses

The state's wind mitigation form, OIR-B1-1802 (Rev. 04/26), opens with the building code era: FBC 2001 or 2004, or FBC 2007 and later. Mascotte houses near the 2004 median land in the first group, and most 2010s houses land in the second. The form then grades roof covering, deck attachment, roof-to-wall connections, roof shape and a secondary water barrier, items an inspector reads in the attic.

Once filled out, the form counts for as long as five years, provided the house isn't materially altered. The discounts it supports apply only to the hurricane-wind part of the premium, and the state's own notice says they are not stacked on top of each other.

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Questions

Roof inspections in Mascotte: questions

Who can sign a roof inspection for a Mascotte home's insurer?

For the 15-year roof rule, Florida's statute lists home inspectors, building code inspectors, general, building or residential contractors, roofing contractors, engineers and architects, plus anyone else the insurer accepts, and the insurer must approve the inspector. Citizens' own roof form names general, residential, building or roofing contractors, building code inspectors and Florida home inspectors. Mascotte's median house, built in 2004, is old enough that you may need one soon.

Source: Fla. Stat. 627.7011(5)(a).

Related: Roof inspections

What does a 4-point inspection cover on a Mascotte house?

Four systems: electrical, plumbing, heating and cooling, and the roof. Citizens requires one for dwelling and mobile home applications on properties more than 20 years old, which takes in Mascotte houses built before 2006, including all of the 39.8% built before 2000. The roof section records material, age, remaining life, the last permit date, whether the last job was a full or partial replacement, and any damage.

Source: Citizens inspections FAQ.

Related: FAQ

How long is a wind mitigation inspection good for in Mascotte?

Up to five years. The current state form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026, and a completed one stays valid that long if the structure doesn't change materially and nothing on it proves wrong. If you re-roof one of the 39.8% of Mascotte houses built before 2000, ask your agent whether the new deck nailing and secondary water barrier call for a fresh form.

Source: OIR-B1-1802, Rev. 04/26.

Related: Roof inspections

Nearby

Roof inspections near Mascotte

Sources for this page(72)
  1. 1.Share of homes built before 2000: 39.8%. 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. 2.Share of homes built 2010 or later: 35.1%. 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.Owner-occupied share of occupied homes: 77.4%. 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.
  4. 4.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.
  5. 5.Owner-occupied share of occupied homes: 77.6%. 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.
  6. 6.Median year homes were built: 2004. 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. 7.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.
  8. 8.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  9. 9.Insp4pt 03 25. Read Oct 4, 2026.
  10. 10.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  14. 14.OIR form. Read Oct 4, 2026.
  15. 15.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  18. 18.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  20. 20.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the 2020 Census internal point of Mascotte (TIGERweb 2020 incorporated place internal point (INTPTLAT/INTPTLON), GEOID 1243425, Mascotte city), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10/25/100-yr intensities 9.28/10.6/12.6 in/hr; 60-minute 2/10/25/100-yr 2.09/2.84/3.28/3.91 in/hr
  21. 21.City of Mascotte Building Department (official page), City of Mascotte Building Department. Read Oct 5, 2026. Official page fetched 2026-10-05: Building Department page with online permit portal, inspections and contractor registration.
  22. 22.Official city building pages listed in each city's permitOffice, Lake County, Florida. Read Oct 5, 2026.
  23. 23.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.FBC-B 2023 Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-09; Supports RR-10; Supports RR-08; Supports FS-553.844(5)
  26. 26.FEMA FL-RA2, FEMA. Read Oct 5, 2026. Supports RM-01; Supports RR-27; Supports RM-02; Supports RM-03
  27. 27.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RM-04
  28. 28.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026. Supports RR-15; Supports RR-16; Supports RR-25; Supports RR-19; Supports RR-20; Supports RR-24; Supports RR-35; Supports RM-07; Supports RR-36
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, Florida Roofing and Sheet Metal Contractors Association. Read Oct 5, 2026. Supports C-1
  30. 30.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026. Supports C-2; Supports NC-10
  31. 31.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  32. 32.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026. Supports RR-05
  33. 33.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026. Supports RR-04
  34. 34.Florida Statutes, section 489.147 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-44; Supports RR-45
  35. 35.Florida Statutes, section 489.103 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-13
  36. 36.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-11
  37. 37.Florida Statutes, section 627.70132 (2026), Florida Legislature. Read Oct 4, 2026. Supports RM-18
  38. 38.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  39. 39.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  40. 40.eng.ufl.edu, University of Florida. Read Oct 5, 2026. Supports RR-41
  41. 41.FBC-Building 2023 Chapter 2 definitions, UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-4. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  42. 42.Florida Statutes, section 553.842 (2026), The Florida Senate. Read Oct 5, 2026. Supports C-6
  43. 43.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026. Supports C-8
  44. 44.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-18. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-28. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-1. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-22. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-27. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-22 (the research cites it "as COM-22").; Supports COM-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-10. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-11. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").
  45. 45.Florida Roofing and Sheet Metal Contractors Association (FRSA), Florida Roofing and Sheet Metal Contractors Association. Read Oct 5, 2026. Supports COM-19; Supports COM-31
  46. 46.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-29. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports NC-3. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").; Supports NC-4. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").; Supports G-10. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").
  47. 47.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  48. 48.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-21. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").; Supports COM-20. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports G-5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").; Supports G-9. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from G-5 (the research cites it "as G-5").
  49. 49.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-15. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-3 (the research cites it "as C-3").; Supports NC-1. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-3 (the research cites it "as C-3").
  50. 50.Florida Statutes, section 489.113 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-489.113(3); Supports NC-7
  51. 51.Florida Statutes, section 553.837 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-553.837; Supports NC-9
  52. 52.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  53. 53.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  54. 54.U.S. Census Bureau ACS 2020-2024 5-year, table B25035, via Census Reporter, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  55. 55.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-2. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports G-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from NC-2 (the research cites it "as NC-2").
  56. 56.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-11. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports FBC-R318.5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  57. 57.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026. Supports G-17
  58. 58.blogs.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-15
  59. 59.ufdcimages.uflib.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-16
  60. 60.law.cornell.edu. Read Oct 5, 2026. Supports G-21
  61. 61.Wikipedia, "Mascotte, Florida" (revision 1378560224), Wikipedia. Read Oct 5, 2026.
  62. 62.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. Supports G-1; Supports G-4a
  63. 63.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026. Supports G-2
  64. 64.bergerbp.com, Berger Building Products. Read Oct 5, 2026. Supports G-6
  65. 65.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  66. 66.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  67. 67.Wikipedia, "Lake County, Florida" (revision 1375294887), Wikipedia. Read Oct 5, 2026.
  68. 68.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian (AL092022), NOAA National Hurricane Center. Read Oct 5, 2026.
  69. 69.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  70. 70.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  71. 71.FEMA Recovery Advisory 2, FEMA. Read Oct 5, 2026. Supports RR-27
  72. 72.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7, UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports FBC-R318.5

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Roof inspections in Mascotte

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