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Inspections ยท Palm City

Roof inspections in Palm City, FL

Only 0.1 percent of Palm City housing units are mobile homes, so nearly every roof here sits on a site-built house. The median home dates to 1993, which suggests many original roofs are now past 15 years. That age is where Florida insurers start asking questions.

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Updated October 2026

White single-story church building with a steeple, palm trees, and a wide concrete driveway in daylight.
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: LDS Stuart Florida Stake Palm City FL 02 by Clariosophic, CC BY-SA 3.0, cropped

Palm City figures this page uses

Median year homes were built
1993
Residents 65 and older
28.9%
Owner-occupied share of occupied homes
89.7%
Mobile homes, share of housing units
0.1%

Age and insurers

What Florida's 15-year roof rule means for Palm City homes

Florida law sets a line at 15 years. A roof under that age cannot be the sole reason an insurer declines or drops your homeowner's policy. Once the roof reaches 15 years, the insurer must let you hire an authorized inspector, at your own expense, before it demands a replacement.

If that inspection shows 5 or more years of useful life left, age alone cannot be the reason to refuse or non-renew. The section covers policies issued or renewed from July 1, 2022 forward. Senate staff note it does not reach mobile home policies.

The median Palm City home was built in 1993, and 28.9 percent of residents are 65 or older. By our arithmetic, a 1993 roof is already 30 years old or more. A reroof since then changes that, so check your permit history with Martin County.

Inspection scope

What an inspector checks on a Palm City roof

An inspector looks for the damage items insurers list: cracking, curling, heavy granule loss, exposed asphalt or felt, missing or loose tabs, soft decking spots and visible leaks. The roof section of the 4-point form also records covering material, roof age, remaining useful life, last permit date and condition.

For houses past 20 years, Citizens asks for a 4-point inspection. It also wants proof of at least five years of remaining life on shingle roofs older than 25 years and on hard roofs, such as tile or metal, older than 50.

A separate wind mitigation form, OIR-B1-1802, covers items you cannot see from the ground: deck attachment, roof-to-wall connections and any sealed roof deck. The state says a completed form holds for up to five years unless the structure changes. Whether it changes your premium is a question for your insurer or agent.

Timing

When to order a roof inspection in Palm City

  • Buying: the roof's age and remaining life should be known before closing.
  • Selling: a current inspection answers a buyer's insurer questions early.
  • Insurer letter: an authorized inspector can document 5 or more years of life left.
  • After a storm: have damage documented, then tell your insurer within 1 year of the date of loss.

Martin County was outside the worst track of Hurricane Matthew, yet Stuart's airport still logged a 53-knot gust in 2016. Palm City's 89.7 percent owner-occupancy means most readers hold the roof decision themselves.

State law also limits what a roofer may do around your insurer. A roofer cannot give you a gift for agreeing to an inspection and cannot interpret your policy. Expect a plain written report on the roof itself. Permit history for Palm City addresses sits with the Martin County Building Department.

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Questions

Roof inspections in Palm City: questions

How old is too old for a roof in Palm City?

Florida law treats 15 years as the point where a homeowner may have an authorized inspector check the roof at the homeowner's expense, and the insurer may not refuse or non-renew solely for age if that inspection shows 5 or more years of useful life left. Citizens asks for proof of five years of remaining life on shingle roofs older than 25 years and on hard roofs older than 50. Palm City's median home was built in 1993, so many original roofs are past 15 years. Age alone does not condemn a roof. Condition and remaining useful life decide it.

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 can do a roof inspection my insurer will accept?

Florida law names the kinds of inspector an insurer may recognize: licensed home inspectors, building code inspectors, licensed roofing or general contractors, engineers and architects. The insurer must also sign off on the person, so confirm with your insurer or agent before you hire anyone. Martin County permit records can also show when the roof was last replaced.

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

Related: Roof inspections

Does the 15-year rule apply to mobile homes?

No. Senate staff note that the roof-age section of Fla. Stat. 627.7011(5) does not apply to mobile home policies. For other homes, the rule says an insurer may not refuse to issue or renew a policy solely because the roof is under 15 years old. For a roof 15 years or older, the homeowner may have an authorized inspector check it at the homeowner's expense, and the insurer may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. In Palm City, 89.7 percent of occupied homes are owner-occupied, so most households fall under the rule as written.

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

How long do I have to report storm damage to my roof?

A new or reopened property claim is barred unless notice reaches your insurer within 1 year of the date of loss. A supplemental claim has 18 months. Martin County saw Hurricane Matthew gusts and Irma surge, so document damage early. Ask your insurer or agent what your own policy covers.

Source: Florida Statutes, section 627.70132 (2026), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Palm City

Sources for this page(39)
  1. 1.Median year homes were built: 1993. 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.Residents 65 and older: 28.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Permit office: Martin County Building Department. Martin County Building Department. Read Oct 10, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  6. 6.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.
  7. 7.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 89.7% (9,292 of 10,354). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Mobile homes, share of housing units: 0.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. 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.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.Martin County Building Department, Martin County Building Department. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.Wikipedia, 'Palm City, Florida' (revision 1367808772), Wikipedia. Read Oct 5, 2026.
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Palm City 2020 Census internal point (27.1775, -80.2891), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 (AREALAND/AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  37. 37.NOAA Storm Prediction Center, preliminary storm reports 2024-10-09 (12Z-12Z), NOAA. Read Oct 5, 2026.
  38. 38.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  39. 39.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.

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Roof inspections in Palm City

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