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Inspections ยท Miami

Roof inspections in Miami, FL

Only 19.2% of Miami's homes were built in 2010 or later, so roughly four in five are old enough that an original roof would be past Florida's 15-year line. A roof inspection in Miami is mostly about the paperwork insurers ask for: the 4-point form, the wind mitigation form and proof of remaining life.

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Updated October 2026

Downtown towers and a white modern museum building behind a row of palm trees on a sunny day.
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: Central Downtown Miami by Averette, CC BY 3.0, cropped

Miami figures this page uses

Share of homes built 2010 or later
19.2%
Median year homes were built
1979
Mobile homes, share of housing units
0.5%
Share of homes built before 1980
50.8%

Local know-how

Miami's housing age and the insurer's questions

Florida's 15-year rule works in two steps. Step one: while a roof is younger than 15, its age alone is no lawful reason to refuse or non-renew a homeowner's policy, which protects most of Miami's 19.2% of post-2010 homes. Step two: once it is older, the insurer must let you have an authorized inspector check it at your own expense, and may not drop you for age alone if the inspection shows at least five years of useful life left (Fla. Stat. 627.7011(5)).

Citizens draws its own lines. It requires a 4-point inspection for properties more than 20 years old, and asks for proof of five years' remaining life on shingle roofs older than 25 years and on tile or metal roofs older than 50. With a 1979 median build year, most Miami houses cross the first line; the roof's own permit date decides the others.

The 15-year rule covers homeowner policies issued or renewed since July 1, 2022, and Senate staff note it does not reach mobile home policies, which matter little here: mobile homes are 0.5% of Miami's housing.

Wind mitigation

Reading the wind mitigation form for a Miami house

The current form is OIR-B1-1802, Rev. 04/26, in effect since April 1, 2026 and valid for up to five years if nothing material changes. It has an HVHZ answer for the wind region and an SFBC-94 choice for the code era, beside the 2001, 2004 and 2007 Florida codes. It also records the covering's Florida or Miami-Dade approval, the deck attachment, the roof-to-wall connection, the roof shape and any secondary water barrier.

Two details trip up older Miami roofs. Standard underlayment and hot-mopped felt do not count as a secondary water barrier on the form, and the weakest roof-to-wall connection sets the grade, from toenails up through clips and wraps. Discounts apply only to the hurricane-wind portion of a policy and are not added together; your insurer or agent has the figures.

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Questions

Roof inspections in Miami: questions

Who can sign a roof inspection for my Miami insurer?

An authorized inspector whom your insurer accepts. Fla. Stat. 627.7011 lists home inspectors, building code inspectors, general, building, residential or roofing contractors, professional engineers and architects, plus anyone else the insurer recognizes as qualified. Citizens' own roof form must be signed by a contractor, a building code inspector or a home inspector, with photos of every slope. For a Miami home near the 1979 median, ask the insurer which form it wants before booking.

Source: Fla. Stat. 627.7011(5).

Related: Roof inspections

What can fail the roof section of a 4-point inspection?

Visible wear and leaks. The Citizens form asks the inspector to note cracking, cupping or curling, heavy granule loss, exposed asphalt or felt, missing, loose or cracked tabs or tiles, soft spots in the decking, hail damage and leaks seen in the attic or on ceilings. It also records the roof's age, remaining life and the date of the last roofing permit, so keep the City of Miami Building Department permit number handy.

Source: Citizens 4-Point form (03 25).

Related: Roof inspections

How long is a Miami wind mitigation report good for?

Up to five years, as long as nothing material changes on the house and nothing on the form proves wrong. The current version, OIR-B1-1802 Rev. 04/26, took effect April 1, 2026. If you re-roof, the covering, deck attachment and water barrier answers may change, so ask your insurer whether it wants a new report. Even Miami's newest homes, the 19.2% built since 2010, need a report on the current form once an older one lapses.

Source: OIR-B1-1802.

Related: Roof inspections

Nearby

Roof inspections near Miami

Sources for this page(25)
  1. 1.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.
  2. 2.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.Share of homes built 2010 or later: 19.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Median year homes were built: 1979. 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.Mobile homes, share of housing units: 0.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Share of homes built before 1980: 50.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Permit office: City of Miami - Building Department. City of Miami - Building Department. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  11. 11.Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  13. 13.OIR form. Read Oct 4, 2026.
  14. 14.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  15. 15.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  16. 16.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  19. 19.City of Miami, Building Department, City of Miami. Read Oct 5, 2026.
  20. 20.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
  21. 21.NWS Miami, Weather Safety - Lightning. Read Oct 5, 2026.
  22. 22.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").
  23. 23.Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
  24. 24.miamidade.gov. Read Oct 5, 2026.
  25. 25.Florida Building Commission. Read Oct 5, 2026.

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Roof inspections in Miami

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