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Inspections ยท Umatilla

Roof inspections in Umatilla, FL

Only 20.6% of Umatilla's homes were built in 2010 or later, so on most houses here an original roof would be well past 15 years, the age when Florida's protection against age-only policy refusals runs out. A roof inspection in Umatilla is how an older roof proves it still has years left.

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Updated October 2026

White two-story colonial-style house with columned porches, palm trees and a walkway through the lawn.
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: Umatilla FL house02 by Ebyabe, CC BY 2.5, cropped

Umatilla figures this page uses

Median year homes were built
1986
Share of homes built before 2000
64.3%
Median age
47.7yrs
Owner-occupied share of occupied homes
68.8%

Local know-how

Older houses and the insurer's roof forms

Umatilla's housing runs old: a 1986 median build year and 64.3% built before 2000. Citizens requires a 4-point inspection, covering electrical, plumbing, heating and cooling and the roof, on dwelling and mobile home applications for properties over 20 years old, so nearly every house in town needs one for a new Citizens application.

On that form the roof section asks for the covering, its age, remaining useful life, the last roofing permit date, whether the last job was full or partial, and a damage list. Citizens adds an age line of its own: 25 years for shingle roofs and 50 for tile, metal and other hard roofs, past which you need documents showing five years of life left.

The median resident here is 47.7 years old, against 46.5 countywide, and 68.8% of occupied homes are owner-occupied. For those owners, an inspection well before renewal season gives time to act before a letter arrives.

Wind mitigation

What the wind mitigation form looks for in Umatilla attics

The state form, OIR-B1-1802 (Rev. 04/26), starts with the code era, and most Umatilla houses predate even the first Florida Building Code, so their credits ride on what a later re-roof added. Inspectors check deck attachment, roof-to-wall connections and whether a sealed roof deck exists; plain underlayment does not count as one.

Roof-to-wall connections are graded from toenails up through clips, single wraps, double wraps and structural anchors, and a metal connector needs at least three nails into the truss to count. The completed form is valid for up to five years if the structure doesn't change.

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Questions

Roof inspections in Umatilla: questions

My Umatilla roof is 16 years old. Will my insurer accept it?

That depends on what an inspection finds and on your insurer. Florida law requires an insurer to let you have a roof 15 or more years old inspected at your own expense before it requires replacement, and it may not refuse or non-renew solely for age if the inspection shows at least five years of useful life. In a city whose median house was built in 1986, roofs past 15 are common. Your agent can tell you how your carrier applies the rule.

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

Related: Roof inspections

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

The 15-year roof rule in Fla. Stat. 627.7011(5) covers homeowners' policies, and Senate staff read it as not reaching mobile home policies. For a covered roof 15 years or older, the insurer must let the homeowner have an authorized inspector check it at the homeowner's expense, and it may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Mobile homes are 6.7 percent of Umatilla's housing units, so the difference matters to a real slice of the city. Check with your agent before renewal.

Related: FAQ

Who can do the roof inspection for my Umatilla insurer?

An inspector your insurer accepts from the list in Florida law, which runs from home inspectors and building code inspectors to contractors, engineers and architects. The wind mitigation form has its own list, and its signer must inspect in person unless they are an engineer or a 489.111 contractor sending a direct employee. With 1,921 homes in Umatilla and two different forms in play, ask the insurer which forms it wants before booking anyone.

Source: Fla. Stat. 627.711.

Related: Roof inspections

Nearby

Roof inspections near Umatilla

Sources for this page(79)
  1. 1.Median year homes were built: 1986. 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.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: 64.3%. 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.Median age: 47.7. 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.
  5. 5.Median age: 46.5. 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.
  6. 6.Owner-occupied share of occupied homes: 68.8%. 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.
  7. 7.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.Mobile homes, share of housing units: 6.7%. 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.
  9. 9.Housing units (ACS 5-year): 1,921. 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.
  10. 10.Share of homes built 2010 or later: 20.6%. 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.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  18. 18.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.711 (2026). Read Oct 4, 2026.
  20. 20.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.
  21. 21.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.
  22. 22.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.
  23. 23.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.
  24. 24.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.
  25. 25.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the 2020 Census internal point of Umatilla (TIGERweb 2020 incorporated place internal point (INTPTLAT/INTPTLON), GEOID 1273025, Umatilla city), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10/25/100-yr intensities 9.28/10.7/12.8 in/hr; 60-minute 2/10/25/100-yr 2.1/2.85/3.3/3.97 in/hr
  26. 26.City of Umatilla Development & Public Services (building permits) (official page), City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026. Official page fetched 2026-10-05: Development and Public Services Building Permit Portal for building permit applications.
  27. 27.Official city building pages listed in each city's permitOffice, Lake County, Florida. Read Oct 5, 2026.
  28. 28.Wikipedia, "Umatilla, Florida" (revision 1367878838), Wikipedia. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.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.
  31. 31.FBC-B 2023 Ch. 1, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-08; Supports RR-09; Supports RR-10; Supports FS-553.844(5); Supports RR-18
  32. 32.ask.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-14
  33. 33.blogs.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-15
  34. 34.ufdcimages.uflib.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-16
  35. 35.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026. Supports G-17
  36. 36.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026. Supports C-16
  37. 37.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-11
  38. 38.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
  39. 39.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026. Supports C-2; Supports NC-10
  40. 40.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.
  41. 41.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026. Supports RR-05
  42. 42.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-20; Supports RR-19; Supports RR-24; Supports RR-28; Supports RR-29; Supports RM-14; Supports RR-35; Supports RM-07; Supports RR-36; Supports RR-37
  43. 43.Fla. Stat. 553.844, Florida Legislature. Read Oct 4, 2026. Supports RR-32
  44. 44.Florida Statutes, section 489.147 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-44; Supports RR-45
  45. 45.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024, ARMA (Asphalt Roofing Manufacturers Association). Read Oct 5, 2026. Supports RM-10; Supports RM-12
  46. 46.Owens Corning, Owens Corning. Read Oct 5, 2026. Supports RM-11
  47. 47.Florida Statutes, section 627.70132 (2026), Florida Legislature. Read Oct 4, 2026. Supports RM-18
  48. 48.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  49. 49.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
  50. 50.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680, FEMA. Read Oct 5, 2026.
  51. 51.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  52. 52.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024), NOAA National Hurricane Center. Read Oct 5, 2026.
  53. 53.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026. Supports RR-04
  54. 54.ICC Building Safety Journal, Karl Fippinger, 2024-02-07, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RM-04
  55. 55.FEMA FL-RA2, FEMA. Read Oct 5, 2026. Supports RM-01; Supports RM-02; Supports NC-12
  56. 56.Florida Statutes, section 718.112 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-718.112(2)(g); Supports COM-32
  57. 57.2023 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-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-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-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-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-3. 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-9. 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-14. 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").
  58. 58.Professional Roofing magazine (NRCA). Read Oct 5, 2026. Supports COM-26
  59. 59.2023 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").
  60. 60.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  61. 61.2023 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 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").
  62. 62.2023 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-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-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").
  63. 63.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).
  64. 64.2023 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).
  65. 65.Florida Statutes, section 553.837 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-553.837; Supports NC-9
  66. 66.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.
  67. 67.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.
  68. 68.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.
  69. 69.2023 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").
  70. 70.FBCR Ch. 8, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-21
  71. 71.Florida Statutes, section 489.113 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-489.113(3)
  72. 72.consumerreports.org, Consumer Reports. Read Oct 5, 2026. Supports G-13
  73. 73.Gutterall 6K hanger, Gutterall. Read Oct 5, 2026. Supports G-19
  74. 74.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. Supports G-1; Supports G-4a
  75. 75.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026. Supports G-2
  76. 76.bergerbp.com, Berger Building Products. Read Oct 5, 2026. Supports G-6
  77. 77.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.
  78. 78.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.
  79. 79.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.

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Roof inspections in Umatilla

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