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Inspections ยท On Top of the World

Roof inspections in On Top of the World, FL

36.9% of On Top of the World's homes were built before 2000, so any of them still on a first shingle roof is past the 25-year line Citizens Property Insurance uses for soft roofs. Even the median house, built in 2006, turns 20 in 2026, the age past which Citizens asks for a 4-point inspection.

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Updated October 2026

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.

On Top of the World figures this page uses

Share of homes built before 2000
36.9%
Median year homes were built
2006
Share of homes built 2010 or later
41.2%
Median age
71.4yrs

Local know-how

Insurer forms and the build years in On Top of the World

Three insurer lines matter here. Fla. Stat. 627.7011(5) protects roofs under 15 years from refusal on age alone; past 15, the owner can get an inspection, at their own expense, before an insurer requires a replacement. Citizens requires a 4-point inspection on applications for properties more than 20 years old, and documentation of five years of remaining life for shingle roofs over 25 or tile and metal roofs over 50.

The 41.2% of homes built in 2010 or later are mostly under the 15-year line, but the first of them cross it in 2025 and 2026.

With a median age of 71.4 and 92.6% of occupied homes owner-occupied, the owner is usually the one who books and pays for the inspection. Keep the report and the last roofing permit together; the 4-point form asks for that permit date.

The form

Inside the roof section of a 4-point inspection

  • Roof covering material and roof age.
  • Remaining useful life, in the inspector's estimate.
  • Date of the last roofing permit and last update; full or partial replacement, and the percentage replaced.
  • Overall condition.
  • Damage: cracking, cupping or curling, granule loss, exposed asphalt or felt, missing, loose or cracked tabs or tiles, soft decking, hail marks, and visible leaks in the attic or on ceilings.

With photos of each slope, that roof section can stand in for Citizens' separate Roof Inspection Form. The wind mitigation form, OIR-B1-1802, is a different document: it grades deck nailing, roof-to-wall connections and the sealed-deck layer, and stays valid up to five years if nothing material changes.

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Questions

Roof inspections in On Top of the World: questions

Who pays for a roof inspection an insurer wants on an On Top of the World home?

The homeowner, under Fla. Stat. 627.7011(5)(c). When a roof is 15 years or older, the insurer must let the homeowner have an authorized inspector check it, at the homeowner's expense, before requiring a replacement. If the report shows five or more years of useful life left, the insurer may not refuse or non-renew solely because of the roof's age. For a 2006 house in On Top of the World still on its first roof, that point came in 2021. Your agent can tell you which form your insurer accepts.

Related: Roof inspections

What fails the roof part of a 4-point inspection?

The form has no pass line of its own; it records condition, and the insurer decides. The damage items Citizens asks inspectors to note are cracking, cupping or curling, excessive granule loss, exposed asphalt or felt, missing or loose tabs or tiles, soft decking, hail damage and visible leaks. Age matters too: Citizens wants proof of five years of remaining life on shingle roofs past 25 years. That reaches any first roof on the 36.9% of On Top of the World homes built before 2000.

Related: Roof inspections

How often does an On Top of the World home need a new wind mitigation form?

Up to every five years. The current form, OIR-B1-1802 (Rev. 04/26), effective April 1, 2026, stays valid that long as long as no material changes are made to the structure and no errors are found. A re-roof, new roof-to-wall connectors or new opening protection would change answers sooner. For a house built in 2006, question 1 records the 2001 or 2004 code era no matter when the roof was replaced, so the roof answers carry the weight.

Related: Roof inspections

Nearby

Roof inspections near On Top of the World

Sources for this page(83)
  1. 1.Share of homes built before 2000: 36.9%. 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.
  2. 2.Median year homes were built: 2006. 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.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.
  4. 4.U.S. Census Bureau ACS 2020-2024 5-year, table B01002, via Census Reporter. Read Oct 5, 2026.
  5. 5.Share of homes built 2010 or later: 41.2%. 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.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.
  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.Median age: 71.4. 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.
  9. 9.Owner-occupied share of occupied homes: 92.6%. 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.
  10. 10.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 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.OIR form. 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.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.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.
  18. 18.NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates, via the HDSC PFDS endpoint (ops/research/v3/services/data/noaa-atlas14-florida-rainfall.tsv), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  19. 19.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the On Top of the World CDP internal point (2020 TIGER), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  21. 21.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.
  22. 22.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.
  23. 23.U.S. Census Bureau ACS 2020-2024 5-year, table B25024, via Census Reporter. Read Oct 5, 2026.
  24. 24.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.
  25. 25.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API. Read Oct 5, 2026.
  26. 26.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.
  27. 27.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  28. 28.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  29. 29.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4828. Read Oct 5, 2026.
  30. 30.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4806. Read Oct 5, 2026.
  31. 31.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4734. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022). Read Oct 5, 2026.
  33. 33.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  34. 34.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  35. 35.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  36. 36.Marion County Building Safety (official page), Marion County, Florida. Read Oct 5, 2026. marionfl.org returns HTTP 403 to scripted fetches; page title 'Building Safety' seen in the search index and its FAQs subpage loaded in a browser 2026-10-05 under the Building Safety breadcrumb. Jurisdiction text NOT READ. Unincorporated CDP, so the county office is assumed by jurisdiction; not separately verified.
  37. 37.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  38. 38.Florida Statutes, section 713.135 (2026). Read Oct 5, 2026.
  39. 39.2023 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). Source URL inherited from C-3 (the research cites it "as C-3").
  40. 40.Miami-Dade County RER notice. Read Oct 5, 2026.
  41. 41.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).
  42. 42.Florida Building Commission. Read Oct 5, 2026.
  43. 43.eng.ufl.edu. Read Oct 5, 2026. Source URL inherited from RR-41 (the research cites it "as RR-41").
  44. 44.2023 Florida Building Code, Building, 8th ed., Chapter 15 (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). Source URL inherited from C-14 (the research cites it "as C-14").
  45. 45.apoc.com. Read Oct 5, 2026.
  46. 46.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (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).
  47. 47.Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
  48. 48.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  49. 49.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026. About the law, never about South Fork Roofing's licensing (license-display is banned on the preview, spec 1.1).
  50. 50.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026. Spec 1.7: never invite a claim; explain the statute, cite it, point to the insurer or agent.
  51. 51.Florida Statutes, section 553.837 (2026). Read Oct 5, 2026. It is the builder's duty; it says nothing about a roofer's own workmanship terms. Pages carry allowTerms for the word 'warranty' (spec 1.2).
  52. 52.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  53. 53.consumerreports.org. Read Oct 5, 2026.
  54. 54.blogs.ifas.ufl.edu. Read Oct 5, 2026.
  55. 55.ufdcimages.uflib.ufl.edu. Read Oct 5, 2026.
  56. 56.thig.com. Read Oct 5, 2026.
  57. 57.Gutterall 6K hanger. Read Oct 5, 2026.
  58. 58.law.cornell.edu. Read Oct 5, 2026.
  59. 59.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (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). Source URL inherited from NC-2 (the research cites it "as NC-2").
  60. 60.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (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). Source URL inherited from COM-20 (the research cites it "as COM-20").
  61. 61.bergerbp.com. Read Oct 5, 2026. Source URL inherited from G-4 (the research cites it "as G-4").
  62. 62.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server). Read Oct 5, 2026. Source URL inherited from G-1 (the research cites it "as G-1").
  63. 63.Florida Office of Insurance Regulation. Read Oct 5, 2026. Research grade: HIGH (form text; the form is a template, the actual percentages are filled in per insurer)
  64. 64.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (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).
  65. 65.FEMA. Read Oct 5, 2026.
  66. 66.FEMA FL-RA2. Read Oct 5, 2026. Source URL inherited from RM-01 (the research cites it "as RM-01").
  67. 67.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026. Research grade: MEDIUM (FEMA report itself not opened: fema.gov refused direct download)
  68. 68.TRI Alliance Technical Brief #2022-001 and #2021-01. Read Oct 5, 2026. Research grade: MEDIUM (industry association)
  69. 69.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024. Read Oct 5, 2026. Research grade: MEDIUM-HIGH
  70. 70.Owens Corning. Read Oct 5, 2026.
  71. 71.atlasroofing.com. Read Oct 5, 2026. Source URL inherited from RM-10 (the research cites it "as RM-10").
  72. 72.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  73. 73.Tile Roofing Industry Alliance. Read Oct 5, 2026. Source URL inherited from RR-38 (the research cites it "as RR-38").
  74. 74.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  75. 75.FBCR Ch. 2. Read Oct 5, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  76. 76.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  77. 77.Florida Statutes, section 489.105 (2026). Read Oct 4, 2026.
  78. 78.Florida Statutes, section 489.103 (2026). Read Oct 4, 2026. Research grade: HIGH. (Answers the PAA "Can a handyman do roof repairs in Florida?": only within this narrow exemption; the permit question is separate, RR-08.)
  79. 79.FBCR Ch. 9. Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  80. 80.FEMA Recovery Advisory 2. Read Oct 5, 2026.
  81. 81.Fla. Stat. 553.844. Read Oct 4, 2026. Source URL inherited from RR-18 (the research cites it "as RR-18").
  82. 82.Wikipedia, "On Top of the World, Florida" (revision 1378603127). Read Oct 5, 2026.
  83. 83.Wikipedia, "Marion County, Florida" (revision 1375327071). Read Oct 5, 2026.

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Roof inspections in On Top of the World

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