Roof inspections in Silver Springs Shores, FL

The form itself does not pass or fail anything; it records the roof's age, condition and remaining life, and the insurer decides. For a homeowner's policy, section 627.7011(5) limits that decision: once a roof is 15 or older, the insurer must let you get an authorized inspection first, and if it shows 5 or more years of useful life, the policy cannot be refused or dropped for age alone. Citizens' own rule asks for that five-year proof on shingle roofs past 25. With the median Shores house built in 1997, many original roofs are past that line.

Source: Fla. Stat. 627.7011(5); Citizens.

Related: Roof inspections

For a wind mitigation report, the parts you cannot see from the yard: how the deck is nailed, how the trusses tie to the walls, and whether there is a sealed secondary water barrier, each with photos. Roof-to-wall connections are graded from weakest to strongest, toenails, clips, single wraps, double wraps and structural, and a metal connector only counts with at least 3 nails into the truss, a gap under half an inch and no severe corrosion. On a 1997 house, it pays to know which grade you have before a re-roof.

Source: OIR-B1-1802 (Rev. 04/26).

Related: Roof inspections

Sometimes, depending on the insurer and the form. Here, 17 percent of homes were built in 2010 or later, so their original roofs are still under or near 15 years, the point at which the 15-year rule's inspection right starts. Citizens' 4-point requirement starts at 20 years, but a wind mitigation report can matter at any age, because it documents the features that earn wind credits and stays valid for up to five years. Ask your agent which report your renewal needs.

Source: OIR-B1-1802; Citizens.

Related: Roof inspections