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Inspections ยท North Bay Village

Roof inspections in North Bay Village, FL

North Bay Village has no mobile homes at all, so every roof here falls under the Florida Building Code and Miami-Dade County's High Velocity Hurricane Zone rules. Inspectors do not need to sort out a separate HUD standard. They check the roof against one code, and the age of the building matters.

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Updated October 2026

Teal Welcome to North Bay Village sign with palm tree on a divided street.
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: North Bay Village by Averette, CC BY 3.0, cropped

North Bay Village figures this page uses

Median year homes were built
1985
Share of homes built before 1980
45.1%
Mobile homes, share of housing units
0%
Owner-occupied share of occupied homes
42.4%

Housing age

Older buildings and the 15-year roof line

The median home here was built in 1985, and 45.1 percent of homes pre-date 1980. A median build year says nothing about any one roof, since roofs get replaced. Still, that suggests many roofs in older buildings are likely at or past 15 years.

Once your roof reaches 15 years, Florida law lets you bring in an inspector of your choosing, paid by you, before your insurer can require a new roof. A passing result of 5 or more years of remaining life blocks a refusal or non-renewal based only on age. Your insurer or agent is the one to ask about what your own policy covers.

Many buildings here are large. 88.6% of housing units sit in buildings with 10 or more units, against 40.2% countywide. Condominium associations often order roof inspections for the whole building, so check with your board before you hire anyone for your own unit.

Inspection scope

What a roof inspection records

For an insurer, the roof section of the 4-point form lists the covering material, roof age, remaining useful life and the date of the last roofing permit. It also notes whether any replacement was full or partial, the overall condition and any damage found. Each roof slope gets its own photo.

  • Cracking, curling, missing or loose tabs or tiles
  • Granule loss and exposed asphalt or felt
  • Soft spots in the decking
  • Leaks showing in the attic or on ceilings below

Wind mitigation is checked on a different form, OIR-B1-1802. Coverage extends to the roof deck attachment, the roof-to-wall connections and the sealed roof deck. Those are attic details you cannot see from the ground. Unless something material changes, you can rely on the form for up to five years.

Timing

When to order an inspection here

Order one when you get an insurer letter about roof age, or when you buy or sell. For properties more than 20 years old, a 4-point inspection is required by Citizens. With a median build year of 1985, many homes in North Bay Village are likely to meet that line.

After a storm, note the date. A new property claim is barred unless the insurer gets notice within 1 year of the loss. Miami-Dade saw surge of 4-6 ft above ground along Biscayne Bay in Hurricane Irma, and water covers 54.7% of this village's area.

A roofer who inspects may not offer you anything of value for the inspection or push you toward a claim. Contractors also may not advise on what your policy covers. Take coverage questions to your insurer. Roof work needs a permit from the North Bay Village Building Department.

Request a roof inspection

Questions

Roof inspections in North Bay Village: questions

Does my roof need an inspection at 15 years in North Bay Village?

Florida law does not order one on a date. At 15 years, though, your insurer must let you hire an authorized inspector at your own expense before it can require replacement. With 45.1 percent of homes here built before 1980, many owners will meet that line. Ask your insurer which inspectors it accepts, since the statute says the insurer must sign off on the inspector.

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 counts as an authorized roof inspector?

Under Fla. Stat. 627.7011(5)(a), the insurer must sign off on the inspector. The statute lists licensed home inspectors, certified building code inspectors, licensed general, building, residential or roofing contractors, engineers and architects. Other people may be accepted by the insurer as qualified too. In North Bay Village, where 42.4% of occupied homes are owner-occupied, owners should confirm any contractor's license before signing and ask the insurer for its sign-off in writing.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

How long is a wind mitigation inspection good for?

The current form, OIR-B1-1802, is valid for up to five years if no material changes are made to the structure and no errors are found on it. Miami-Dade County sits in the High Velocity Hurricane Zone, so the form asks about the building code era and roof details such as deck attachment and roof-to-wall connections. Ask your insurer or agent how it uses the form.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Do older condo roofs here need the same inspection?

The same insurer rules apply to the roof, but the decision often belongs to the association. In North Bay Village, 88.6% of housing units are in buildings with 10 or more units, and 42.4% of occupied homes are owner-occupied. Ask your board who holds the roof inspection and wind mitigation records before you order your own.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near North Bay Village

Sources for this page(35)
  1. 1.Median year homes were built: 1985. 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.Share of homes built before 1980: 45.1%. 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.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, B25034, B25024, 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.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 (AREALAND/AREAWATER). Read Oct 5, 2026.
  8. 8.Wikipedia, 'North Bay Village, Florida' (revision 1373591093). Read Oct 5, 2026.
  9. 9.Permit office: City of North Bay Village - Building Department. City of North Bay Village - Building Department. Read Oct 10, 2026.
  10. 10.Mobile homes, share of housing units: 0%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  11. 11.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.
  12. 12.Owner-occupied share of occupied homes: 42.4% (1,512 of 3,569). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  23. 23.City of North Bay Village - Building Department, City of North Bay Village. Read Oct 5, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  27. 27.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  29. 29.Florida Administrative Code, Chapter 61G20-3, Florida Administrative Code. Read Oct 5, 2026.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the North Bay Village 2020 Census internal point (25.8491, -80.1510), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the North Bay Village 2020 Census internal point (25.8491, -80.1510), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof inspections in North Bay Village

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