Inspections ยท Port Salerno
Roof inspections in Port Salerno, FL
Mobile homes make up 5.3 percent of Port Salerno's housing units, and those roofs follow different rules than site-built houses. For the rest, an inspection answers one question: how many years of useful life remain. Florida insurers and buyers both ask it.
Updated October 2026
Port Salerno figures this page uses
- Share of homes built before 1980
- 36.2%
- Residents 65 and older
- 29.2%
- Owner-occupied share of occupied homes
- 82.2%
- Mobile homes, share of housing units
- 5.3%
Local housing age
Why older Port Salerno roofs get inspected
About 36.2 percent of homes here were built before 1980, and 29.2 percent of residents are 65 or older. Many owners have lived under the same roof covering for a long time. Owners hold 3,917 of the 4,766 occupied homes, so most inspections are for people deciding about their own house.
Florida's 15-year rule applies once a roof reaches that age. Your insurer has to let you hire an authorized inspector at your own expense. If the report finds 5 or more years of useful life left, age alone cannot be the reason the insurer drops or declines to renew you.
Citizens sets a separate line: documentation of five years of remaining life for soft roofs older than 25 years. Hard roofs such as tile, slate or metal get a 50-year line. Mobile home policies are outside the 15-year statute, per Senate staff, so confirm the terms with your own insurer.
Inspection scope
What the inspector checks and the forms ask
The roof section of the 4-point form also asks for the date of the last roofing permit and whether the roof was replaced in full or in part. Photos of each slope let that section replace the separate roof inspection form. Citizens wants the 4-point report on properties past 20 years old, which fits a town where 36.2 percent of homes predate 1980.
- Cracking, curling or cupping of the covering
- Granule loss and exposed asphalt or felt
- Missing, loose or cracked tabs or tiles
- Soft spots in the decking
- Look for ceiling stains and active leaks, and for staining on the decking beneath the roof.
A wind mitigation inspection is a different report. It records attic items you cannot see, such as deck nailing and roof-to-wall connectors. Form OIR-B1-1802 (Rev. 04/26) lasts up to five years, provided no material changes are made to the home.
Timing
When to order one in Port Salerno
Order one before buying or selling, or when your insurer sends a roof-age letter. Order one after a storm too. Two tornadoes from Hurricane Milton struck on Oct 9, 2024, and Martin County Fire Rescue reported several homes damaged near SE Federal Highway and SE Colonial Drive.
Florida bars a new or reopened claim unless the insurer gets notice within 1 year of the loss, so a post-storm inspection date matters. Under Fla. Stat. 489.147, a roofer cannot give you anything of value for an inspection or interpret your policy. For any questions about what your policy covers, contact your insurer or agent.
Roof permits come from the Martin County Building Department, because Port Salerno is unincorporated. Confirm current permit steps with that office before any repair or replacement.
Questions
Roof inspections in Port Salerno: questions
How old is a roof before Florida insurers ask about it?
The 15-year mark matters most. An insurer cannot refuse to write or renew a policy solely because a roof is under 15 years old. For older roofs, you may have an authorized inspector check it at your expense. An insurer may not refuse or non-renew only because of roof age when the report shows 5 or more years of useful life remaining. About 36.2 percent of Port Salerno homes were built before 1980.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
Does a mobile home roof follow the same inspection rule?
Not necessarily. Mobile homes are 5.3 percent of Port Salerno's housing units. According to Senate staff, mobile home policies fall outside the 15-year roof statute. For mobile home applications on properties over 20 years old, Citizens continues to require a 4-point inspection. Find out from your insurer which roof documents it expects to see.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026
How long does a wind mitigation report last?
April 1, 2026 is when the current form, OIR-B1-1802 (Rev. 04/26), came into effect. It stays valid for up to five years if the structure has no material changes and the form has no inaccuracies. The inspector must personally inspect the home. In Martin County, with a median build year of 1986, a report may show roof-to-wall and deck details worth documenting.
Source: 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
Sources for this page(36)
- 1.Share of homes built before 1980: 36.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 2.Residents 65 and older: 29.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
- 3.Owner-occupied share of occupied homes: 82.2% (3,917 of 4,766). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 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.Wikipedia, 'Port Salerno, Florida' (revision 1375172719). Read Oct 5, 2026.
- 6.NOAA Storm Prediction Center, preliminary storm reports 2024-10-09 (12Z-12Z). Read Oct 5, 2026.
- 7.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 8.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
- 9.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.
- 10.Permit office: Martin County Building Department. Martin County Building Department. Read Oct 10, 2026.
- 11.Mobile homes, share of housing units: 5.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 13.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 14.Insp4pt 03 25. Read Oct 4, 2026.
- 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
- 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
- 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 18.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
- 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
- 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
- 21.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 22.Florida Statutes, section 627.711 (2026). Read Oct 5, 2026.
- 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
- 24.Martin County Building Department, Martin County Building Department. Read Oct 5, 2026.
- 25.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 26.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
- 27.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
- 28.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 29.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
- 31.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
- 32.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 33.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
- 34.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Port Salerno 2020 Census internal point (27.1452, -80.1887), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 35.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
- 36.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Port Salerno 2020 Census internal point (27.1452, -80.1887), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
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Roof inspections in Port Salerno
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