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Inspections ยท Stuart

Roof inspections in Stuart, FL

About 15.6 percent of Stuart's housing units sit empty for part of the year, held for seasonal or occasional use, and a roof nobody is watching can leak through a storm unnoticed. A roof inspection in Stuart is also how owners answer insurers, because the city's median home was built in 1982.

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Updated October 2026

Aerial view of a water tower with a flag and STUART lettering above a town near water.
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: Stuart, FL. Downtown by JonathanPuello, CC BY-SA 4.0, cropped

Stuart figures this page uses

Seasonal, recreational or occasional-use homes (share of all units)
15.6%
Median year homes were built
1982
Share of homes built 2010 or later
6.1%
Residents 65 and older
29.1%

Local know-how

What insurers ask about Stuart roofs

Start with section 627.7011(5), the state's roof-age law. An insurer may not refuse or non-renew a homeowner policy just because the roof is under 15 years old; past that age, it must let you have the roof inspected, at your own expense, before requiring a new one, and a finding of 5 or more years of useful life left means age alone cannot end the policy.

Citizens adds lines of its own. It requires a 4-point inspection on applications for properties more than 20 years old, and only 6.1 percent of Stuart homes were built in 2010 or later, so most houses here are at or past that mark. Citizens also wants proof of at least five years of remaining life on shingle roofs over 25 years old and on tile or metal roofs over 50.

The roof section of the 4-point form records the covering, its age and remaining life, the date of the last roofing permit, whether any replacement was full or partial, and a damage list that runs from cracking and curling to soft decking and attic leaks. Stuart's median home, built in 1982, is four years older than the county's 1986 median, and on a house that old the last roofing permit date is usually the clearest record of roof age.

Wind mitigation

Wind mitigation, and roofs on part-year homes

A wind mitigation inspection uses a different form, OIR-B1-1802 (Rev. 04/26), and can earn credits on the hurricane-wind part of a policy. It grades the code era, roof covering, deck nailing, roof-to-wall connections, roof shape and whether the deck is sealed, and it stays valid for up to five years if nothing material changes.

For the 15.6 percent of Stuart units held for seasonal use, timing matters. The hurricane season peaks around September 10, so a roof check before an owner leaves for the summer, and another after the return, catches what the storms did while the place sat empty. The roofing contractors' association suggests looking at a roof every spring and fall.

With 29.1 percent of residents 65 or older, it helps that nobody climbs a ladder for these forms; the inspector photographs each slope and the attic.

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Questions

Roof inspections in Stuart: questions

How often should a seasonal home in Stuart get its roof checked?

Twice a year is the trade's baseline: the National Roofing Contractors Association suggests a look each spring and fall. For a part-year Stuart home, line those visits up with your travel. Before you leave, the roof should be ready for a season that peaks around September 10; after you return, check for what changed. With 15.6 percent of the city's units held for seasonal use, plenty of roofs here ride out a storm with nobody home, and an attic leak can run for weeks before anyone sees a ceiling stain.

Source: NRCA consumer guidance; NOAA NHC climatology; ACS 2020-2024, read October 5, 2026.

Related: Roof inspections

What is the difference between a 4-point and a wind mitigation inspection in Stuart?

They answer different insurer questions. A 4-point inspection looks at four systems, the roof among them, and Citizens requires one for properties more than 20 years old, which covers most of Stuart's housing given its 1982 median build year. Its roof section is about age, remaining life and damage. A wind mitigation inspection, on form OIR-B1-1802, grades how the house resists wind, from deck nailing and roof-to-wall connections to roof shape and a sealed deck, and can earn premium credits.

Source: Citizens Property Insurance Corporation; Florida OIR form OIR-B1-1802 (Rev. 04/26), read October 4, 2026.

Related: Roof inspections

Who can sign a roof inspection form for a Stuart home?

For Citizens' Roof Inspection Form, the signer must be a general, residential, building or roofing contractor, a building code inspector, or a Florida-licensed home inspector, and the form needs photos of each roof slope. The form also asks for the date of the last roofing permit, which the City of Stuart Building Division keeps for addresses inside city limits.

Source: Citizens Property Insurance Corporation, Roof Inspection Form (RCF-1), read October 4, 2026.

Related: Roof inspections

Nearby

Roof inspections near Stuart

Sources for this page(44)
  1. 1.Seasonal, recreational or occasional-use homes (share of all units): 15.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  2. 2.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.
  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.Median year homes were built: 1986. 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.Share of homes built 2010 or later: 6.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Residents 65 and older: 29.1%. 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.Permit office: City of Stuart - Building Division. City of Stuart - Building Division. Read Oct 5, 2026.
  8. 8.NOAA National Hurricane Center, Tropical Cyclone Climatology. Read Oct 5, 2026.
  9. 9.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  15. 15.OIR form. Read Oct 4, 2026.
  16. 16.NOAA NHC. Read Oct 5, 2026.
  17. 17.National Roofing Contractors Association. Read Oct 5, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  21. 21.City of Stuart - Building Division, City of Stuart. Read Oct 5, 2026. Permit office for this place (official page checked 2026-10-05).
  22. 22.Wikipedia, 'Stuart, Florida' (revision 1374938628), Wikipedia. Read Oct 5, 2026.
  23. 23.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 (county and incorporated-place POP100), U.S. Census Bureau. Read Oct 5, 2026.
  26. 26.Official website: City of Stuart, East Stuart Historic District, City of Stuart. Read Oct 5, 2026.
  27. 27.Official website: City of Stuart, Emergency Permitting, City of Stuart. Read Oct 5, 2026.
  28. 28.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), Florida Building Commission. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020), NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022), NOAA National Hurricane Center. Read Oct 5, 2026.
  32. 32.NOAA Storm Prediction Center, preliminary storm reports 2024-10-09, NOAA Storm Prediction Center. Read Oct 5, 2026.
  33. 33.OpenFEMA DisasterDeclarationsSummaries v2 (declarations since 2016-01-01 for this county), FEMA. Read Oct 5, 2026.
  34. 34.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places), U.S. Census Bureau. Read Oct 5, 2026.
  35. 35.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026.
  36. 36.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  37. 37.FBCR Ch. 9, Florida Building Commission. Read Oct 4, 2026.
  38. 38.Florida Statutes, section 718.112 (2026), Florida Legislature. Read Oct 5, 2026.
  39. 39.FBC-B 2023 Ch. 1, Florida Building Commission. Read Oct 5, 2026.
  40. 40.FBC-Building 2023 Chapter 2 definitions, UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  41. 41.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  42. 42.Florida Building Commission. Read Oct 5, 2026.
  43. 43.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  44. 44.FEMA FL-RA2, FEMA. Read Oct 5, 2026.

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Roof inspections in Stuart

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