Roof inspections in Indiantown, FL

Fla. Stat. 627.7011(5) bars an insurer from refusing or dropping a homeowner's policy only because the roof is under 15 years old. Once a roof reaches 15 years, you hold a right: the insurer has to allow an authorized inspector you hire to examine it. A finding of 5 or more years of useful life takes age off the table as the sole reason to refuse or non-renew.

Senate staff say this section does not reach mobile home policies, and it covers homeowners' policies issued or renewed from July 1, 2022. With nearly a third of Indiantown units being mobile homes, read your own policy paperwork closely and ask your agent which rule fits your home.

For properties over 20 years old, Citizens asks for a 4-point inspection, and its roof section records the covering material, roof age, remaining useful life, last permit date and any damage. Citizens also wants documentation of five years of remaining life for shingle roofs older than 25 years. Confirm your own insurer's requirements with your agent.

A roofer's report follows the forms: covering, age, remaining life, permit history, and the damage list of cracking, curling, granule loss, missing tabs, soft decking spots and visible leaks. A wind mitigation visit adds attic checks you cannot do yourself, such as deck nailing and roof-to-wall connectors.

• Buying or selling a home, to learn the roof's remaining life before closing.
• An insurer letter naming roof age, which opens your right to a 15-year inspection.
• After a storm, to document damage before you talk to your insurer.

Roof permit questions go to the Village of Indiantown building office. A wind mitigation form, OIR-B1-1802, stays valid up to five years if nothing material changes on the structure.