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Inspections ยท Hobe Sound

Roof inspections in Hobe Sound, FL

In Hobe Sound, 28.4 percent of housing units are mobile homes, against 8.8 percent across Martin County. That gap matters before you book an inspection. Mobile home roofs follow different rules than site-built houses, so the first question is which kind of home you own.

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Updated October 2026

A two-lane road lined with large banyan trees whose branches arch overhead in soft morning light.
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: Hobe Sound Jupiter Island by AirportExpert, CC BY-SA 4.0, cropped

Hobe Sound figures this page uses

Median year homes were built
1983
Share of homes built before 1980
39.4%
Mobile homes, share of housing units
28.4%
Residents 65 and older
34.2%

Local housing

Why age and home type matter here

Half the story is age. The median Hobe Sound home was built in 1983, and 39.4 percent were built before 1980. That suggests many original roofs here are well past 15 years, though a median year says nothing about any one roof.

Florida's 15-year rule is where this bites. A roof under 15 years old cannot, on its own, be the reason an insurer declines or non-renews your policy. At 15 or older, the insurer must let you have an authorized inspector check it at your expense.

Should that inspection find 5 or more years of useful life remaining, age alone is not grounds for the insurer to drop you. Staff analysis of this section also says it was not written for mobile home policies, so owners of the many mobile homes in Hobe Sound should confirm their own situation with their agent.

Insurer forms

Roof questions you will see on insurer forms

A 4-point inspection is what Citizens asks for when a property is over 20 years old. With 34.2 percent of residents 65 or older and many homes of that age, you may see this form at renewal. The roof section records the covering, age, remaining useful life, last permit and overall condition.

Citizens also wants documentation of at least five years of remaining life for shingle roofs over 25 years old, or tile and metal over 50. The inspector looks for cracking, curling, granule loss, soft decking and leaks in the attic.

A separate wind mitigation form, OIR-B1-1802, is valid up to five years if nothing material changes. It needs attic checks you cannot do yourself, such as deck nailing and roof-to-wall connectors.

Timing

When to order an inspection

  • Before you buy or sell, so roof age and condition are known.
  • Once a letter from your insurer brings up roof age.
  • After a storm. Martin County saw Hurricane Matthew in 2016 and Irma in 2017.
  • Before an absent owner leaves for summer: 12.9 percent of local units are seasonal or occasional-use.

Any permitted roof work in Hobe Sound goes through the Martin County Building Department, since the area is unincorporated. Confirm current permit steps with that office.

Request a roof inspection

Questions

Roof inspections in Hobe Sound: questions

Can my insurer drop me because my Hobe Sound roof is 15 years old?

Not for age alone if you act. When a roof is 15 years or older, you are entitled to have an authorized inspector examine it, with you covering the cost, and the insurer must allow it. If that shows 5 or more years of useful life left, the insurer may not refuse or non-renew solely for age. Authorized inspectors include licensed contractors, home inspectors and engineers the insurer accepts. Ask your insurer or agent for its exact process.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

Does my Hobe Sound mobile home follow the 15-year roof rule?

Florida's 15-year roof rule, Fla. Stat. 627.7011(5), says an insurer may not refuse to issue or renew a homeowner's policy solely because the roof is under 15 years old. For a roof 15 years or older, the insurer must allow the homeowner to have an authorized inspector check it at the homeowner's expense, and may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Median home build year in Hobe Sound is 1983, so many roofs here may reach that age. Your insurer or agent can confirm how it applies to your policy.

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

Related: Roof inspections

What does a roof inspection for the 4-point form check?

The roof section records covering material, roof age, remaining useful life, date of the last permit, full or partial replacement and overall condition. The inspector also looks for cracking, curling, granule loss, soft decking and visible leaks. Photos of each slope are part of it. In Hobe Sound, where the median home dates to 1983, expect age and remaining life to get close attention.

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

Related: Roof inspections

Who permits a roof in Hobe Sound?

The Martin County Building Department issues roof permits here, because Hobe Sound is an unincorporated census-designated place. Confirm the current requirements with that office first, ahead of any work starting.

Source: Martin County Building Department, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Hobe Sound

Sources for this page(34)
  1. 1.Median year homes were built: 1983. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 39.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Mobile homes, share of housing units: 28.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Residents 65 and older: 34.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Seasonal, recreational or occasional-use homes (share of all units): 12.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  11. 11.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  13. 13.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  14. 14.Permit office: Martin County Building Department. Martin County Building Department. Read Oct 10, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  19. 19.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.Martin County Building Department, Martin County Building Department. Read Oct 5, 2026.
  25. 25.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Hobe Sound 2020 Census internal point (27.0745, -80.1432), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.Wikipedia, 'Hobe Sound, Florida' (revision 1361216954), Wikipedia. Read Oct 5, 2026.
  33. 33.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  34. 34.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.

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Roof inspections in Hobe Sound

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