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Inspections ยท Jensen Beach

Roof inspections in Jensen Beach, FL

In Jensen Beach, 13.8 percent of housing units are mobile homes, and that changes which roof rules and inspection forms apply to you. Another 46.2 percent of homes were built before 1980. Many roofs here are likely past 15 years, and Florida law attaches an insurance step to that age.

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Updated October 2026

Wide sandy beach under clear blue sky with turquoise surf and small distant people at the shoreline.
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: Jensen Beach looking north at Jensen Beach Park by Dough4872, CC BY-SA 4.0, cropped

Jensen Beach figures this page uses

Median year homes were built
1982
Mobile homes, share of housing units
13.8%
Residents 65 and older
33.1%
Owner-occupied share of occupied homes
77%

Housing age

Roof age in a town with a 1982 median build year

The median Jensen Beach home was built in 1982, close to Martin County's 1986. That suggests many original roofs here have passed 15 years, and a good number have passed 25. Mobile homes make up 13.8 percent of units here, against 8.8 percent countywide, so many owners hold different roof types and different insurance paperwork than the county average.

About a third of residents are 65 or older, and 77.0 percent of occupied homes are owner-occupied. Most roof decisions here are made by owners who will live under the result. Another 11.1 percent of units are seasonal or occasional-use, so a roof can sit unchecked for months while the owner is away.

The 15-year rule

Insurer rules once a roof turns 15

Florida bars an insurer from refusing to issue or renew a homeowner's policy only because a roof is under 15 years old. After that age, the homeowner gets the right to bring in an authorized inspector, paid for by the homeowner. A report showing 5 or more years of useful life means the insurer cannot drop the policy for age alone. In Jensen Beach, 46.2 percent of homes predate 1980, so many owners may meet this step.

An authorized inspector needs your insurer's sign-off and must be a licensed home inspector, a certified building code inspector, a licensed contractor, an engineer or an architect. Senate staff note this section does not apply to mobile home policies, so a Jensen Beach mobile home owner should ask the insurer which roof requirements apply.

Citizens Property Insurance asks for documentation of five years of remaining life on shingle roofs older than 25 years and on tile, slate, clay, concrete or metal roofs older than 50. Its 4-point inspection applies to mobile home applications for properties over 20 years old. Your own policy terms are the insurer's to explain, so call your agent before you schedule anything.

Inspection scope

The inspector checks a handful of specific areas, and knowing the right time to book one helps you get the most from the visit

The roof section of the 4-point form records the covering material, roof age, remaining useful life, date of the last roofing permit, how much was replaced and the overall condition. The damage list adds cracking, curling, granule loss, exposed felt, missing or loose tabs, soft decking spots and visible leaks in the attic.

A storm, a purchase or sale, or an insurer's letter about the age of your roof are all good reasons to book one. Hurricanes Frances and Jeanne both came ashore on nearby Hutchinson Island in September 2004. Martin County property claims are barred unless notice reaches the insurer within 1 year of the loss.

Roof permits in Jensen Beach come from the Martin County Building Department, since the community is unincorporated. A roof 15 or more years old may have a permit history worth confirming there. If a replacement is on the table, ask the county office whether the 25 percent rule applies.

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Questions

Roof inspections in Jensen Beach: questions

Does my Jensen Beach roof need an inspection at 15 years?

Florida law does not order one at 15 years, but it matters to your insurer. Once your roof reaches 15 years, the insurer has to allow an authorized inspector to examine it, with the cost falling on you. A report showing at least 5 years of remaining useful life means the insurer cannot deny coverage or decline to renew based only on how old the roof is. With 46.2 percent of local homes built before 1980, many owners here will reach this point.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurance company?

The inspector needs your insurer's sign-off. Authorized inspectors include a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer and an architect. Beyond that list, the insurer can accept any other person it regards as qualified. In Jensen Beach, where the median home dates to 1982, ask your insurer or agent for its list before you book anyone.

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

Related: Roof inspections

Does the 15-year roof rule apply to a mobile home in Jensen Beach?

Yes, the roof rule in Fla. Stat. 627.7011(5) is written for homeowner's policies, and the same age-based roof concern can come up on a mobile home policy in Jensen Beach. A roof under 15 years old cannot, on its own, be the reason an insurer declines to issue or renew your homeowner's policy. For a roof 15 years or older, the insurer must allow an authorized inspector, chosen by the homeowner at the homeowner's expense, to check the roof, and it may not refuse or non-renew solely for age if that inspection shows 5 or more years of useful life left. The median year homes were built in Jensen Beach is 1982, so many roofs there are near or past the 15-year mark.

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 4-point roof section record?

It records the covering material, roof age, remaining useful life, date of the last roofing permit, whether the replacement was full or partial and its percentage, and overall condition. It also lists damage such as cracking, curling, granule loss, exposed felt and attic leaks. For a Jensen Beach home, the permit date comes from the Martin County Building Department, and photos of each roof slope can stand in for the separate Roof Inspection Form.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Jensen Beach

Sources for this page(30)
  1. 1.Median year homes were built: 1982. 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.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, 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: 13.8%. 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.Wikipedia, 'Jensen Beach, Florida' (revision 1369166206). Read Oct 5, 2026.
  7. 7.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  8. 8.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.
  9. 9.Residents 65 and older: 33.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 77.0% (4,495 of 5,838). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Seasonal, recreational or occasional-use homes (share of all units): 11.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Share of homes built before 1980: 46.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Permit office: Martin County Building Department. Martin County Building Department. Read Oct 10, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). 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 Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.2023 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).
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.Martin County Building Department, Martin County Building Department. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Jensen Beach 2020 Census internal point (27.2440, -80.2411), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof inspections in Jensen Beach

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