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Inspections · Homestead

Roof inspections in Homestead, FL

Homes built in 2010 or later make up 16.8% of Homestead's housing, well above Miami-Dade's 11.4%, and the earliest of them turned 15 in 2025. That leaves most original roofs in the city past Florida's 15-year mark, so a roof inspection in Homestead mostly answers an insurer: roof age, remaining life, and how the roof is held down.

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Updated October 2026

Palm-lined downtown street with low storefronts, a red truck and a car driving toward the distance.
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: Homestead Downtown by Ivan Curra, CC BY-SA 3.0, cropped

Homestead figures this page uses

Share of homes built 2010 or later
16.8%
Median year homes were built
2001
Housing units (ACS 5-year)
27,474
Share of homes in buildings with 10+ units
20.5%

Insurers

Roof age on paper for Homestead homes

Florida's roof-age law protects the first 15 years: an insurer may not refuse or non-renew a homeowner's policy only because the roof is younger than that. Once a roof passes 15, the insurer has to allow an inspection by an authorized inspector, paid by you, before demanding replacement, and if that report finds five or more years of useful life, roof age by itself is no ground to drop the policy (Fla. Stat. 627.7011(5)).

Citizens Property Insurance sets its own lines by material. Shingle and other soft roofs older than 25 years, and tile, clay, concrete or metal roofs older than 50, need documentation of at least five years of remaining useful life. An untouched shingle roof on a house from 2001, Homestead's median year against the county's 1980, reaches 25 in 2026.

The 4-point form's roof section asks for the covering, the roof's age and remaining life, the date of the last roofing permit, and whether that work was a full or partial replacement, with the percentage replaced. For a Homestead house, the City of Homestead permit file answers several of those lines before the inspector climbs up.

Wind mitigation

Homestead roofs on the state's wind mitigation form

The state's form, OIR-B1-1802 Rev. 04/26, has been in use since April 1, 2026, and a completed report stays valid for up to five years. It opens with the building code era, where the HVHZ has its own SFBC-94 choice, then sorts the house by design wind speed; every Homestead address takes the HVHZ answer.

The roof questions come next: the covering and its Florida or Miami-Dade approval, how the deck is attached, the roof-to-wall connection, the roof's shape, and whether a secondary water barrier is present. The weakest connection sets the grade, from toenails up through clips and wraps to structural anchors, and plain underlayment or hot-mopped felt does not count as a water barrier.

Any credit touches only the hurricane-wind part of the premium, and the amounts come from your insurer or agent, not from the form.

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Questions

Roof inspections in Homestead: questions

Does a 4-point inspection on a Homestead home need roof photos?

Yes. Citizens' 4-point form asks for photos of each roof slope, and with them the roof section can stand in for the separate Roof Inspection Form. That separate form, RCF-1, must be signed by a general, residential, building or roofing contractor, a building code inspector or a Florida home inspector, and it records remaining useful life. Citizens requires the 4-point inspection on properties more than 20 years old, which takes in most Homestead houses, since the median one dates to 2001.

Source: Citizens 4-Point Inspection Form (Insp4pt 03 25) and Roof Inspection Form, read October 4-5, 2026.

Related: Roof inspections

Who can sign a wind mitigation form for a Homestead house?

The statute lists who an insurer must accept: a home inspector holding a state license under 468.8314 who has at least 3 hours of hurricane mitigation training and a proficiency exam, a building code inspector, a general, building or residential contractor, a professional engineer, an architect, or anyone else the insurer recognizes. The signer must inspect personally; only engineers and those contractors may send a direct employee instead. For any of Homestead's 27,474 housing units, the wind region answer is the HVHZ, since the whole county sits in the zone.

Source: Fla. Stat. 627.711(2)(a) and (3), read October 4-5, 2026.

Related: Roof inspections

How does roof shape affect a Homestead wind mitigation report?

It can change the grade. On OIR-B1-1802, a roof counts as a hip roof only if its non-hip features make up no more than 10% of the total roof perimeter. The form's flat roof answer is reserved for buildings of five or more units where at least 90% of the main roof is under 2:12, so a single-family house with a flat roof is graded Other. That split matters in Homestead, where 20.5% of homes are in buildings of 10 or more units and 39% are detached houses.

Source: OIR-B1-1802 Rev. 04/26, read October 5, 2026.

Related: Roof inspections

Nearby

Roof inspections near Homestead

Sources for this page(29)
  1. 1.Share of homes built 2010 or later: 16.8%. 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.Share of homes built 2010 or later: 11.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Median year homes were built: 2001. 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 B25035, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Permit office: City of Homestead - Building Permits. City of Homestead - Building Permits. Read Oct 5, 2026.
  6. 6.Housing units (ACS 5-year): 27,474. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Share of homes in buildings with 10+ units: 20.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Single-family detached share of housing units: 39%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  9. 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. 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  18. 18.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  19. 19.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  20. 20.Florida Statutes, section 627.711 (2026). Read Oct 4, 2026.
  21. 21.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places). Read Oct 5, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01003, via Census Reporter API. Read Oct 5, 2026.
  23. 23.Wikipedia, 'List of municipalities in Florida'. Read Oct 5, 2026.
  24. 24.Wikipedia, 'Homestead, Florida' (revision 1371633130). Read Oct 5, 2026.
  25. 25.NWS Miami, 'Hurricane Milton' StoryMap (Oct 9, 2024 tornado outbreak; preliminary data). Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, Building Permits Survey, 2025 annual place file (so2025a.txt). Read Oct 5, 2026.
  27. 27.City of Homestead, Building Permits, City of Homestead. Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  29. 29.Senate SB 808 staff analysis pp. 3-4. Read Oct 5, 2026.

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Roof inspections in Homestead

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