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Inspections ยท Tavares

Roof inspections in Tavares, FL

53.8% of Tavares homes were built before 2000, which puts them past the 20-year line where Citizens requires a 4-point inspection on a new application. On those houses, the roof section of that form and the wind mitigation form shape what an insurer knows about your roof, whatever its age.

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Updated October 2026

Brick Tavares City Hall building with a cupola and blue sky under a leafy oak tree on a sunny day.
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: Tavares city hall tavares florida by Connor J. Williams, CC BY 3.0, cropped

Tavares figures this page uses

Share of homes built before 2000
53.8%
Mobile homes, share of housing units
27%
Share of homes built 2010 or later
26.9%
Median year homes were built
1996

Local know-how

The forms a Tavares roof is judged by

  • The 4-point: Citizens' check of the electrical, plumbing, HVAC and roof, required on owner, dwelling and mobile home applications for properties more than 20 years old.
  • The 4-point's roof section: covering, roof age, remaining useful life, date of the last roofing permit, full or partial replacement, and a damage list.
  • Wind mitigation form OIR-B1-1802 (Rev. 04/26): code era, wind region, roof shape, deck attachment, roof-to-wall connection and secondary water barrier. A completed form counts for up to five years unless the house changes materially.

Insurers must offer discounts or credits for construction that reduces windstorm loss, including roof strength, roof covering performance and roof-to-wall strength, and each must describe its hurricane mitigation discounts on its website (627.0629(1)). The wind form is how a Tavares house gets those features on record.

Roof age

Fifteen years, twenty-five years and mobile homes

For a site-built Tavares home, 627.7011(5) sets the floor. A roof under 15 years old cannot be the only reason an insurer refuses or drops a homeowner's policy; for an older roof, you may have an authorized inspector check it at your expense first, and five or more years of remaining life keeps age alone from ending coverage.

Citizens adds its own line: shingle roofs older than 25 years, and tile or metal roofs older than 50, need documentation of at least five more years of life. Mobile homes, 27% of Tavares housing, sit outside 627.7011(5) entirely, Senate staff note, so their roof questions follow the insurer's own rules.

Recent storms are part of the read: FEMA's Ian and Milton declarations both covered Lake County, in 2022 and 2024.

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Questions

Roof inspections in Tavares: questions

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

Up to five years. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026, and stays valid for up to five years as long as no material changes are made to the house and no errors turn up on it. If you re-roof, the old form describes a roof that is gone, so a new inspection records the new deck nailing and water barrier. On the 26.9% of Tavares homes built in 2010 or later, the form's building-code question will usually point to the 2007 code or later.

Source: Florida OIR form OIR-B1-1802 (Rev. 04/26), read October 4, 2026.

Related

Who can do the roof inspection my insurer asks for?

Someone your insurer approves who fits the statute's list. For the 15-year roof rule, an authorized inspector is a home inspector, a building code inspector, a general, building, residential or roofing contractor, a professional engineer, an architect, or anyone else the insurer recognizes as qualified (627.7011(5)(a)). Citizens' Roof Inspection Form must be signed by a contractor, a building code inspector or a Florida home inspector, with photos of each roof slope. With a 1996 median build year, many Tavares owners meet these forms at renewal, so ask the insurer which one it wants before booking.

Source: Fla. Stat. 627.7011(5)(a) and the Citizens Roof Inspection Form, read October 5, 2026.

Related: Roof inspections

What does an inspector actually check on a Tavares roof?

Whatever can be seen and reached safely, plus what the insurer's forms ask. Florida's home inspector standards cover visible roofing materials, flashings, skylights, chimneys and penetrations, roof drainage, attic ventilation and attic insulation, and an inspector need not walk a roof that is too steep, wet or damaged. A roofer's inspection for an insurer adds the attic items you cannot see from below: deck nailing, roof-to-wall connectors and any secondary water barrier, with photos. After Milton's 8.55 inches at Tavares, attic stains and soft decking belong on that list.

Source: Florida Administrative Code Rule 61-30.805 and the Citizens 4-Point Inspection Form, read October 5, 2026.

Related

Nearby

Roof inspections near Tavares

Sources for this page(25)
  1. 1.Share of homes built before 2000: 53.8%. 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.Mobile homes, share of housing units: 27%. 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.
  3. 3.Hurricane Ian (2022). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  4. 4.Hurricane Milton (2024). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  5. 5.Share of homes built 2010 or later: 26.9%. 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.
  6. 6.Median year homes were built: 1996. 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.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). 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.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  11. 11.OIR form. Read Oct 4, 2026.
  12. 12.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  16. 16.Florida Administrative Code, Rule 61-30.805. Read Oct 5, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Senate SB 808 staff analysis pp. 3-4, Florida Legislature. Read Oct 5, 2026.
  19. 19.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  20. 20.Florida Statutes, section 553.844 (2026), Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  21. 21.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  22. 22.FBC-B 2023 Ch. 1, Florida Building Commission (code text via the viewer named in the title). Read Oct 5, 2026.
  23. 23.FEMA FL-RA2, FEMA. Read Oct 5, 2026.
  24. 24.National Roofing Contractors Association. Read Oct 5, 2026.
  25. 25.NOAA NHC, NOAA. Read Oct 5, 2026.

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