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Inspections ยท Naranja

Roof inspections in Naranja, FL

Only 7.6 percent of Naranja residents are 65 or older, and the housing here is young, so most roofs are not near the 15-year line. Some are, though. Below: what Florida law and insurer forms ask about a roof, what an inspection checks, and when to order one.

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Updated October 2026

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.

Naranja figures this page uses

Median year homes were built
2007
Share of homes built before 1980
10.9%
Owner-occupied share of occupied homes
24.5%
Residents 65 and older
7.6%

Housing age

How old are Naranja roofs compared with the county?

Naranja's median home was built in 2007, against 1980 for Miami-Dade County. Also, 41.9 percent of housing units here went up in 2010 or later. That suggests many roofs are well under 15 years old. A roof on a newer home is not exempt from inspection, but it is less likely to be the one an insurer questions.

Older pockets exist. About 10.9 percent of Naranja homes were built before 1980, and those may carry a replacement roof of unknown age. Since 43.6 percent of units sit in buildings of 10 or more units, many roofs here belong to an association, so ask the manager who holds the roof records.

The 15-year rule

How the 15-year roof rule affects insurers serving Naranja

Florida's roof-age statute, 627.7011(5), has two parts. A roof under 15 years old cannot be the sole reason a homeowner's policy is refused or not renewed. Once a roof reaches 15 years, your insurer must allow you to hire an authorized inspector, and you pay for that visit.

The result of that visit matters. If the inspector finds 5 or more years of useful life left, roof age alone cannot be the reason the insurer drops you. Authorized inspectors include a licensed home inspector, a roofing or general contractor, an engineer, or an architect, as long as the insurer approves them.

Citizens asks for proof of five years of remaining life on shingle roofs older than 25 years and on tile or metal roofs older than 50. Only 24.5 percent of occupied homes in Naranja are owner-occupied, so many tenants will never see the roof paperwork. If you own, ask your insurer or agent what it requires. We do not say what any policy covers.

Inspection scope

Timing a roof inspection, and the items an inspector reviews

The 4-point form's roof section asks for the covering material, age, remaining life, last permit date, how much was replaced, and overall condition. Inspectors also look for cracking, curling, granule loss, soft decking spots and attic leaks. Miami-Dade is in the High Velocity Hurricane Zone, so connections and product approvals matter too.

  • A purchase or sale, when a buyer or lender wants the roof's age and remaining life.
  • A letter from your insurer questioning roof age or condition.
  • The weeks after a storm: Hurricane Irma left about 1,000 Miami-Dade homes with major damage.
  • A planned patch, since more than 25 percent of a roof in 12 months can trigger full replacement.

Roof permits in Naranja come from the Miami-Dade County Regulatory and Economic Resources building office, because the area is unincorporated. Confirm permit history with that office.

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Questions

Roof inspections in Naranja: questions

What is the 15 year roof rule in Florida?

It is Fla. Stat. 627.7011(5). Solely because your roof is under 15 years old, an insurer may not decline to issue or renew your homeowner's policy. Once the roof passes 15 years, you can pay an authorized inspector out of pocket to evaluate it. Naranja's median home dates to 2007, so many roofs here are younger than 15 years. How the rule applies to your particular policy is something your agent or insurer can explain.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurer in Naranja?

The insurer must approve the inspector. The state's list of qualified inspectors covers licensed home inspectors, building code inspectors, general or roofing contractors, professional engineers and architects. A contractor, building code inspector or Florida-licensed home inspector must sign the roof form Citizens requires, and photos of each roof slope must accompany it. In Naranja, the median home was built in 2007, so many roofs are still fairly young, but the insurer's approval of the inspector still applies. Confirm the choice with your insurer or agent before you pay for anything.

Source: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, read Oct 5, 2026

Related: Roof inspections

How long does a wind mitigation inspection last?

Since April 1, 2026, the form in effect is OIR-B1-1802 (Rev. 04/26). It stays valid up to five years if the structure has no material changes and no errors are found on it. Miami-Dade is in the High Velocity Hurricane Zone, so the form's region question will place Naranja homes there. Ask your insurer how it applies discounts.

Source: 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

Related: Roof inspections

Should I order an inspection after a hurricane?

Yes, if you see missing tiles, soft spots or ceiling stains. Notice of a new claim must reach your insurer within 1 year of the date of loss, and a supplemental claim within 18 months. Irma left about 1,000 Miami-Dade homes with major damage, per the National Hurricane Center. A roofer may not advise you on coverage, so take policy questions to your insurer.

Source: NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Naranja

Sources for this page(30)
  1. 1.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.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: 2007. 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 B25003, via Census Reporter API. Read Oct 5, 2026.
  5. 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.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.
  7. 7.Share of homes built before 1980: 10.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 24.5% (1,254 of 5,122). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, 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.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  11. 11.Permit office: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Read Oct 10, 2026.
  12. 12.Residents 65 and older: 7.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). 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. 17.2023 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).
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 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.OIR form. Read Oct 4, 2026.
  21. 21.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, Miami. Read Oct 5, 2026.
  24. 24.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  25. 25.miamidade.gov, miamidade.gov. Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Naranja 2020 Census internal point (25.5161, -80.4219), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Naranja 2020 Census internal point (25.5161, -80.4219), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.

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Roof inspections in Naranja

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