Skip to content

Inspections ยท Anna Maria

Roof inspections in Anna Maria, FL

Only 0.4 percent of Anna Maria's housing units are mobile homes, so nearly every roof here falls under the Florida Building Code and the insurer rules built around it. With 87.4 percent of homes built before 2000, many original roofs are likely past 15 years. An inspection tells you what is left.

Request a quote407-242-2840

Updated October 2026

Turquoise Gulf water and sandy shore under a large casuarina tree, with two distant people stooping near the waterline.
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: Anna Maria,Florida. by Roman Eugeniusz, CC BY-SA 3.0, cropped

Anna Maria figures this page uses

Median year homes were built
1975
Share of homes built before 1980
59.8%
Owner-occupied share of occupied homes
97.3%
Mobile homes, share of housing units
0.4%

Roof age

How old are Anna Maria roofs, and why does 15 years matter?

The median Anna Maria home was built in 1975, and 59.8 percent went up before 1980. That alone does not date any one roof, since many have been replaced. It does suggest that a good share of homes here have had at least one reroof, and that some owners cannot say when the last one happened.

Age matters because of Florida's 15-year rule in Statute 627.7011(5). Under 15 years, age alone cannot be the reason a carrier turns down or drops your homeowner's policy. At 15 years or more, your carrier has to allow an outside inspection that you pay for. If it finds 5 or more years of useful life, age by itself cannot end your coverage.

Citizens Property Insurance draws its own lines: 25 years for shingle roofs and 50 years for tile, slate, clay, concrete or metal. Past those ages it wants paperwork showing five more years of life. Which rule governs your roof depends on your carrier, so ask your agent before you order anything.

Inspection scope

What an Anna Maria roof inspection checks

The inspector records the covering material, roof age, remaining useful life, permit history and overall condition. The damage list includes cracking, curling, heavy granule loss, exposed felt, missing or loose tabs, soft decking spots and visible leaks in the attic or on ceilings. Expect a photo of every slope in your report.

Salt air and Gulf storms make the leak check matter on the island. Anna Maria Island took heavy storm surge damage in Hurricane Helene in 2024, and Manatee County has also seen flooding rain from Hermine in 2016. Water that reaches decking or ceilings often shows first as a stain inside.

The wind mitigation inspection uses its own form, OIR-B1-1802, rather than the standard report. It looks at items you cannot see from the ground: roof deck attachment, roof-to-wall connections and secondary water resistance. The form is valid for up to five years if the structure has not materially changed.

Timing

When to order a roof inspection here

  • Before buying: with 97.3 percent of occupied homes owner-occupied, most sales are owner to owner, and the roof's age may not be on paper.
  • Before selling: a report on remaining life answers the buyer's insurer question early.
  • After an insurer letter about roof age: the inspection is yours to arrange and pay for.
  • After a storm: look for missing tabs, soft spots and ceiling stains before the next rain.

If a contractor offers anything of value for an inspection or urges you to file a claim, that conflicts with Florida Statute 489.147. Take any question about what your policy covers to your insurer or agent. For permits tied to any repair that follows, confirm requirements with the City of Anna Maria Building Department.

Request a roof inspection

Questions

Roof inspections in Anna Maria: questions

Does my Anna Maria roof need an inspection at 15 years?

Florida law gives you the right to an inspection at 15 years but does not order one. Past that age, your insurer has to let an authorized inspector examine the roof, with you paying the bill. If the inspector finds 5 or more years of useful life, age alone cannot end your policy. With 87.4 percent of Anna Maria homes built before 2000, many owners may meet this at renewal.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

Your insurer has to accept the inspector, who can be a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. Other qualified professionals might also satisfy what your insurer asks for. The median home in Anna Maria was built in 1975, so many roofs here have been replaced at least once and are worth a careful look. Before you book anyone for your Anna Maria home, ask your insurer for its list, since you pay for the inspection.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Is the 4-point inspection the same as a roof inspection?

Not quite. Citizens requires a 4-point inspection for properties more than 20 years old, and Anna Maria's median home year of 1975 puts many homes past that line. The roof section records material, age, remaining life, permit history, percent replaced and damage. With photos of each slope, that section can stand in for Citizens' roof inspection form.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does my insurer need a new inspection for a mobile home roof?

Senate staff note that Florida's 15-year roof rule does not apply to mobile home policies. Mobile homes are only 0.4 percent of Anna Maria's housing units. For mobile home applications on properties more than 20 years old, Citizens continues to ask for a 4-point inspection. Your insurer or agent is the one to ask about the exact terms of your own policy.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Anna Maria

Sources for this page(35)
  1. 1.Median year homes were built: 1975. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 59.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  4. 4.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  5. 5.Wikipedia, "Anna Maria, Florida" (secondary source). Read Oct 5, 2026.
  6. 6.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 97.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: City of Anna Maria - Building Department. City of Anna Maria - Building Department. Read Oct 10, 2026.
  9. 9.Mobile homes, share of housing units: 0.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Share of homes built before 2000: 87.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, 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, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  18. 18.OIR form. Read Oct 4, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  24. 24.City of Anna Maria - Building Department, cityofannamaria.com. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau ACS 2020-2024 5-year, tables B25034 and B25035, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  28. 28.Wikipedia, "Manatee County, Florida" and "Longboat Key, Florida" (secondary), Wikipedia. Read Oct 5, 2026.
  29. 29.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012871 SARASOTA BRADENTON AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.Wikipedia (Lakewood Ranch, Bayshore Gardens); Census 2020 block assignment, Wikipedia. Read Oct 5, 2026.
  32. 32.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  33. 33.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  34. 34.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  35. 35.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Anna Maria

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote