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Inspections · Montverde

Roof inspections in Montverde, FL

48.6% of Montverde's homes were built before 2000, so any of them still on its first roof is well past the 15-year mark in Florida's roof-age law and the 25-year line Citizens uses for shingles. A roof inspection in Montverde tells you how much useful life is left before your insurer asks.

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Updated October 2026

Two-story white wooden house with a front porch, a bench, and tropical plants in the yard.
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: Montverde Harper House01 by Ebyabe ), CC BY 2.5, cropped

Montverde figures this page uses

Median year homes were built
2000
Share of homes built before 2000
48.6%
Share of homes built 2010 or later
13.7%
Mobile homes, share of housing units
3.2%

Local know-how

Montverde homes measured against the insurers' age lines

Three Census figures frame an inspection here. The median home was built in 2000. Nearly half the housing, 48.6%, is older than that. Only 13.7% was built in 2010 or later, the one group where an original roof can still be under 15 years old.

Those ages run into three lines. Florida law bars an insurer from refusing or non-renewing a policy solely because a roof is under 15 years old, and for an older roof it must allow an inspection, at your expense, before requiring replacement; 5 or more years of remaining useful life protects you from a non-renewal based on age alone (Fla. Stat. 627.7011(5)). Citizens requires a 4-point inspection on properties more than 20 years old, which takes in the median Montverde house since 2020. And Citizens wants five years of remaining life documented on shingle roofs older than 25 years, or tile and metal roofs older than 50.

One group sits outside the statute. Senate staff note that the 15-year rule does not apply to mobile home policies, and mobile homes are 3.2% of Montverde's housing. Its reach is homeowners' policies written or renewed from July 1, 2022 onward.

The forms

What the 4-point and wind mitigation forms record about the roof

The roof section of the 4-point form records the covering, its age, its remaining useful life, the date of the last roofing permit, whether the last job was a full or partial replacement and what share was replaced, and the overall condition. It lists the damage an inspector looks for: cracking, cupping or curling, heavy granule loss, exposed asphalt or felt, missing, loose or cracked tabs or tiles, soft decking, hail marks, and leaks seen in the attic or on ceilings.

The wind mitigation form, OIR-B1-1802 (Rev. 04/26, effective April 1, 2026), goes into the attic: how the deck is nailed, how the roof is tied to the walls, the roof's shape, and whether there is a secondary water barrier. It starts with the building code era, and a Montverde house permitted before March 1, 2002 predates every Florida Building Code edition. A completed form is valid for up to five years if the house does not change.

Where an inspection shows less than five years left, the next step is a roof replacement.

Request a roof inspection

Questions

Roof inspections in Montverde: questions

Who can do the roof inspection my insurer wants in Montverde?

Florida's 15-year statute names the kinds of inspectors that count: home inspectors, building code inspectors, general, building, residential or roofing contractors, engineers and architects, plus anyone else the insurer recognizes as qualified, and the insurer has to accept the inspector (Fla. Stat. 627.7011(5)(a)). Citizens' own roof form lists contractors, building code inspectors and home inspectors as signers. For the 48.6% of Montverde homes built before 2000, check with your insurer which form it wants before booking anyone.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

How long is a wind mitigation report good for in Montverde?

Up to five years. The current state form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and is valid for up to five years as long as no material changes are made to the house and no inaccuracies turn up on the form. A re-roof is the kind of change that can alter its answers, especially the deck nailing and the secondary water barrier. Montverde's 848 homes are graded on the same form, whatever their age.

Source: Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), read Oct 4, 2026

Related: Roof replacement

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

Fla. Stat. 627.7011(5) does not apply to mobile home policies, so the 15-year roof rule is not the standard for those. For a roof 15 years or older under a policy it does cover, the insurer must let the homeowner have an authorized inspector check the roof at the homeowner's expense, and may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Mobile homes are 3.2 percent of Montverde's housing units. If you own one, ask your insurer or agent which roof rules your policy follows.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: FAQ

Nearby

Roof inspections near Montverde

Sources for this page(27)
  1. 1.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.Median year homes were built: 2000. 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. 3.Share of homes built before 2000: 48.6%. 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.
  4. 4.Share of homes built 2010 or later: 13.7%. 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.Mobile homes, share of housing units: 3.2%. 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.
  6. 6.Housing units (ACS 5-year): 848. 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.
  7. 7.Mobile homes, share of housing units: 16.3%. 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.U.S. Census Bureau ACS 2020-2024 5-year, table B25024, via Census Reporter. 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.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  15. 15.OIR form. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.2023 Florida Building Code, Building, 8th ed., Chapter 1 (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).
  18. 18.Town of Montverde, official home page (Permit Portal, Apply for a permit, Permitting Clerk), Town of Montverde. Read Oct 5, 2026. Home page links a Citizenserve permit portal and lists a Permitting Clerk on town staff.
  19. 19.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  20. 20.FBCR Ch. 9. Read Oct 4, 2026.
  21. 21.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  22. 22.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  23. 23.FEMA FL-RA2. Read Oct 5, 2026.
  24. 24.NOAA NHC. Read Oct 5, 2026.
  25. 25.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  26. 26.FBC-Building 2023 Chapter 2 definitions. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  27. 27.National Roofing Contractors Association. Read Oct 5, 2026.

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Roof inspections in Montverde

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