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Inspections ยท Doral

Roof inspections in Doral, FL

Mobile homes make up only 0.3 percent of Doral's housing, so almost every roof you will have inspected sits on a site-built house or a condo building. The median home here dates to 2006. That suggests many original roofs are still under 20 years old, and the 15-year insurer rule matters most for the older ones.

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Updated October 2026

Curved cream-colored government building with glass windows, flags, and palm trees under a blue sky.
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: Government Center (Doral, Florida) by Tamanoeconomico, CC BY-SA 4.0, cropped

Doral figures this page uses

Share of homes built before 1980
5.7%
Median year homes were built
2006
Mobile homes, share of housing units
0.3%
Owner-occupied share of occupied homes
46.5%

Roof age

Are Doral roofs old enough to need inspecting?

Only 5.7 percent of Doral homes were built before 1980. Across Miami-Dade County, 49.6 percent were. The county median year built is 1980, so Doral's roofs are far newer than the county norm.

Another 39.5 percent of Doral's homes went up in 2010 or later. Those roofs are likely well inside the 15-year line. The ones to watch are homes from the early 2000s, whose first roofs are now reaching that age.

Insurer rules

What Florida insurers ask about your roof

Under Florida Statute 627.7011(5), an insurer may not refuse to issue or renew a homeowner's policy solely because a roof is under 15 years old. At 15 years or more, you may order an authorized inspector at your own expense. If it shows 5 or more years of useful life left, age alone cannot be the reason for refusal.

Citizens Property Insurance sets a higher line. It wants documentation of at least five years of remaining life for shingle roofs older than 25 years, or hard roofs such as tile or metal older than 50 years.

Citizens also requires a 4-point inspection for properties over 20 years old. Its roof section records the covering, roof age, remaining life, last permit date, any replacement percentage and overall condition. Ask your insurer or agent which form applies to your policy.

Inspection scope

What a Doral roof inspection checks

  • Cracking, curling or cupping, and heavy granule loss on shingles
  • Bare asphalt or felt showing through, and tabs or tiles that are missing, loose or cracked
  • Soft spots in the decking
  • Leaks in the attic, on the underside of the decking and on interior ceilings

Doral sits in Miami-Dade, one of the two High Velocity Hurricane Zone counties. A wind mitigation inspection also records deck attachment, roof-to-wall connections and sealed roof deck, items you cannot see from the ground. The form is valid up to five years if nothing material changes.

Order an inspection when you buy or sell, when your insurer sends a roof-age letter, or after a storm. For roof questions, contact the City of Doral Building Department, which handles roof permits. It also runs a Building Recertification Program.

Request a roof inspection

Questions

Roof inspections in Doral: questions

Does my Doral roof need an inspection if the house was built after 2006?

Probably not yet for age. The median Doral home dates to 2006, and 39.5 percent of homes were built in 2010 or later. Under Florida's 15-year rule, an insurer cannot refuse a policy solely over roof age until the roof reaches 15 years. Order an inspection sooner if you are buying or selling, if you see leaks, or after a storm. Inspections of older roofs can show remaining life.

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 an insurer in Florida?

The insurer has to accept the inspector, and the list includes a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor, a roofing contractor, a professional engineer, or an architect. Anyone else your insurer recognizes as qualified can also sign. Citizens' roof inspection form must be signed by a contractor, a building code inspector or a Florida-licensed home inspector, with photos of each slope. In Doral, where the median home dates to 2006, the form mostly matters for the older homes.

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

Related: Roof inspections

Will a roofer tell me what my policy covers?

No. Florida Statute 489.147 bars roofing contractors from advising on coverage unless they are licensed public adjusters. They also may not offer anything of value for a roof inspection or a claim. Contracts must carry a bold notice telling you to check coverage with your insurer before signing. With 46.5 percent of Doral households owning their homes, many owners will face this question, and the answer always comes from the insurer or agent.

Source: Florida Statutes, section 489.147 (2026), read Oct 4, 2026

Related: Roof inspections

How long do I have to report storm damage to my roof in Miami-Dade?

A new or reopened property claim is barred unless notice reaches the insurer within 1 year after the date of loss. A supplemental claim has 18 months. Miami-Dade has seen storms such as Hurricane Irma in 2017, which caused major damage to about 1,000 homes. After any storm, document the roof and contact your insurer promptly.

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

Related: Roof inspections

Nearby

Roof inspections near Doral

Sources for this page(38)
  1. 1.Share of homes built before 1980: 5.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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, B25034, B25024, 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.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Median year homes were built: 2006. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. 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.Permit office: City of Doral - Building Department. City of Doral - Building Department. Read Oct 10, 2026.
  8. 8.Official website: City of Doral, Building Department. Read Oct 5, 2026.
  9. 9.Mobile homes, share of housing units: 0.3%. 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.Owner-occupied share of occupied homes: 46.5% (12,157 of 26,138). 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.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.OIR form. Read Oct 4, 2026.
  19. 19.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  22. 22.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  24. 24.City of Doral - Building Department, cityofdoral.com. Read Oct 5, 2026.
  25. 25.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.miamidade.gov, miamidade.gov. Read Oct 5, 2026.
  28. 28.Florida Statutes, section 713.135 (2026), Florida Legislature. 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. 30.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  31. 31.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. 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 NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Doral 2020 Census internal point (25.8148, -80.3574), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Doral 2020 Census internal point (25.8148, -80.3574), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  37. 37.Wikipedia, 'Doral, Florida' (revision 1378436857), Wikipedia. Read Oct 5, 2026.
  38. 38.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof inspections in Doral

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