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Inspections ยท Dunnellon

Roof inspections in Dunnellon, FL

Mobile homes make up 17.7 percent of Dunnellon's housing, 289 of 1,630 units, and the roof rules insurers work under are not the same for them. Senate staff note Florida's 15-year roof rule does not apply to mobile home policies, while Citizens wants a 4-point inspection on mobile homes, as on houses, once they are more than 20 years old.

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Updated October 2026

Historic two-storey house with a long front porch, white columns and shrubs beside a tree-lined street.
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: Dunnellon Boomtown Hist Dist01b by Ebyabe, CC BY 2.5, cropped

Dunnellon figures this page uses

Mobile homes, share of housing units
17.7%
Housing units (ACS 5-year)
1,630
Share of homes built before 2000
81.6%
Median year homes were built
1984

Insurance forms

What a 4-point form asks about a Dunnellon roof

Citizens requires a 4-point inspection, covering electrical, plumbing, heating and cooling, and the roof, on applications for homes more than 20 years old. That takes in every Dunnellon house built before 2000, 81.6 percent of the housing. The roof section records:

  • The covering material and the roof's age
  • Its remaining useful life
  • The date of the last roofing permit and update, and whether that work was a full or partial replacement
  • Overall condition, with any cracking, curling, granule loss, exposed felt, loose or missing pieces, soft decking or leaks

With photos of every slope, the 4-point roof section can stand in for Citizens' separate roof inspection form. Citizens also draws an age line: a shingle roof over 25 years old, or a tile or metal roof over 50, needs paperwork showing at least five years of useful life left.

Wind mitigation

Wind mitigation reports on older Dunnellon houses

The wind mitigation form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and stays valid for up to five years if the house does not change materially. Its first question is the building code era, with boxes for the 2001 or 2004 code and the 2007 code or later. A house built before Florida's code took effect in 2002, as most in Dunnellon were, fits neither box, so the roof items carry the weight: how the deck is nailed, how the roof is tied to the walls, and whether a sealed secondary water barrier is present.

Florida's consumer notice says wind discounts apply only to the hurricane-wind part of a policy and are not added together. Insurers set the credits, so your agent is the one to ask what a feature is worth.

Request a roof inspection for your Dunnellon home with the button below, and tell us whether it is for a sale, a renewal or your own records.

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Questions

Roof inspections in Dunnellon: questions

Will my insurer drop a 15-year-old roof in Dunnellon?

Not for age alone, if an inspection backs the roof. For homeowner policies issued or renewed since July 1, 2022, section 627.7011(5) bars an insurer from refusing or non-renewing only because a roof is under 15 years old. Once a roof reaches 15, the insurer must let you have it inspected, at your expense, before requiring replacement, and it may not refuse or non-renew for age alone if the inspection shows at least 5 years of useful life left. In Dunnellon, where the median home dates to 1984, the house's age says little; the date of the last full replacement is the one that counts.

Source: Fla. Stat. 627.7011, read October 4, 2026.

Related: Roof inspections

What makes a Dunnellon roof fail a 4-point inspection?

The insurer judges what the form records, and the form spells out what to record: cracking, cupping or curling, heavy granule loss, exposed asphalt or felt, missing or loose pieces, soft spots in the deck, hail marks, and leaks in the attic or on ceilings. Citizens adds an age test, asking for proof of at least five more years of life on shingle roofs over 25 years old. With 81.6 percent of Dunnellon homes built before 2000, a roof that has never been replaced would be over that line.

Source: Citizens 4-Point Inspection Form Insp4pt 03 25 and Citizens inspections FAQ, read October 4, 2026.

Related: Roof inspections

Do the same roof rules apply to a mobile home in Dunnellon?

Not all of them. Senate staff note that the 15-year roof rule in section 627.7011 does not apply to mobile home policies. Citizens' 4-point requirement does reach them: it covers property owner, dwelling and mobile home applications for properties more than 20 years old. Mobile homes are 289 of Dunnellon's 1,630 housing units, against an 18.2 percent share across Marion County, and the state's My Safe Florida Home inspections are limited to site-built homes. Ask your insurer which forms it wants for your unit.

Source: Fla. Stat. 627.7011 history notes and Senate staff analysis; Citizens inspections page; Fla. Stat. 215.5586, read October 2026.

Related: Roof inspections

Nearby

Roof inspections near Dunnellon

Sources for this page(44)
  1. 1.Mobile homes, share of housing units: 17.7%. 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.
  2. 2.Housing units (ACS 5-year): 1,630. 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.
  3. 3.Share of homes built before 2000: 81.6%. 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.Median year homes were built: 1984. 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.
  5. 5.U.S. Census Bureau ACS 2020-2024 5-year, table B25024, via Census Reporter. Read Oct 5, 2026.
  6. 6.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  7. 7.Insp4pt 03 25. Read Oct 4, 2026.
  8. 8.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). 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.
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  40. 40.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026.
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  43. 43.NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates at Dunnellon (2020 TIGER internal point 29.0595, -82.4254), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 24-hour depths: https://hdsc.nws.noaa.gov/cgi-bin/new/cgi_readH5.py?lat=29.0595&lon=-82.4254&type=pf&data=depth&units=english&series=pds
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Roof inspections in Dunnellon

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