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Inspections · Apopka

Roof inspections in Apopka, FL

77.7% of Apopka's occupied homes are lived in by their owners, so most roofs in town sit under a homeowner's policy and its roof questions. A roof inspection in Apopka, FL is often what an insurer asks for, and knowing which form it wants tells you whom to call.

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Updated October 2026

A two-story brick city hall with white columns and a pediment under a partly cloudy 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: Apopka City Hall02 by Ebyabe, CC BY 2.5, cropped

Apopka figures this page uses

Owner-occupied share of occupied homes
77.7%
Median year homes were built
2002
Share of homes built before 1980
10.9%
Mobile homes, share of housing units
2.4%

Local know-how

Apopka owners and the 15-year roof line

Apopka's homes are young by county standards, with a median build year of 2002, but a house at that median that kept its original roof now has a covering past 20 years old. At that point an owner meets three separate roof tests, each written down where you can read it:

  • The 15-year rule, Fla. Stat. 627.7011(5): under 15 years, roof age alone is not a reason to refuse or non-renew a homeowner's policy. At 15 or more, the insurer must allow an inspection at your cost before requiring a new roof, and 5 or more years of remaining life keeps age from being the sole reason to drop you.
  • Citizens' 4-point inspection: required on applications for homes more than 20 years old, with a roof section that records age, remaining life, the last roof permit and damage.
  • Citizens' roof-age line: shingle roofs over 25 years and tile or metal roofs over 50 need documentation of at least five years of remaining life.

Mobile homes are 2.4% of Apopka's housing. Senate staff note the 15-year statute does not apply to mobile home policies, while Citizens' 4-point requirement still reaches mobile home applications on properties over 20 years old.

Wind mitigation

Reading the wind mitigation form for an Apopka house

OIR-B1-1802 (Rev. 04/26) took effect April 1, 2026 and stays valid for up to five years unless the structure changes materially. Its questions follow the roof from the outside in: the code era it was built under, the wind region for the address, the slope, the covering, how the deck is nailed, how the roof is tied to the walls, whether it is a hip roof, and whether the deck is sealed. A roof counts as hip only if non-hip features are no more than 10% of its perimeter.

For a 2002 Apopka house, the code-era question is the interesting one, because the form separates FBC 2001/2004 roofs from FBC 2007 and later. The attic answers, deck nails and roof-to-wall connectors, need someone up there with a camera; the roof-to-wall scale runs from toenails to clips to single and double wraps. The City of Apopka Building-Safety Department's inspections are a different thing: they check permitted roof work at dry-in and at the end.

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Questions

Roof inspections in Apopka: questions

Why does a roof inspector need to get into my Apopka attic?

Because the wind mitigation form asks about things only the attic shows: how the roof deck is nailed, what ties the trusses to the walls, and whether the deck seams are sealed. The form grades deck attachment from staples or 6d nails up to 8d nails at 6 inches in the field, and roof-to-wall connections from toenails through clips and wraps. Only 10.9% of Apopka's homes predate 1980, so most local attics hold the framing of the 1980s through the 2000s, and those answers have to be seen, not assumed.

Related: Roof inspections

Who pays for a roof inspection my insurer asks for in Apopka?

Under Fla. Stat. 627.7011(5)(c), when a roof is 15 years or older, the inspection the insurer must allow is at the homeowner's expense. The statute lists who can do it: home inspectors, building code inspectors, general, building, residential or roofing contractors, engineers, architects, or anyone else the insurer accepts as qualified. With 77.7% of Apopka homes owner-occupied, most of those bills land on the person living in the house, so ask your insurer which form it wants before booking.

Related: FAQ

Does my Apopka home need a 4-point inspection?

If you are applying with Citizens and the home is more than 20 years old, yes. Citizens requires a 4-point inspection covering electrical, plumbing, HVAC and the roof on owner, dwelling and mobile home applications for those properties. Apopka's median house was built in 2002, so at least half the town's homes are past that line, and countywide, where 26.1% of homes predate 1980, the share is higher. Other insurers set their own rules, so ask yours.

Related: Roof inspections

Nearby

Roof inspections near Apopka

Sources for this page(24)
  1. 1.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  4. 4.Owner-occupied share of occupied homes: 77.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Median year homes were built: 2002. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Share of homes built before 1980: 10.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Mobile homes, share of housing units: 2.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: City of Apopka Building-Safety Department. City of Apopka Building-Safety Department. Read Oct 5, 2026.
  9. 9.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  11. 11.Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  14. 14.OIR form. Read Oct 4, 2026.
  15. 15.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  16. 16.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  19. 19.National Roofing Contractors Association. Read Oct 5, 2026.
  20. 20.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  21. 21.eng.ufl.edu. Read Oct 5, 2026.
  22. 22.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7. Read Oct 5, 2026. Unofficial transcription; verify on floridabuilding.org.
  24. 24.NOAA Atlas 14 Volume 9 version 2, partial-duration series, point estimates at Apopka's 2020 Census internal point, NOAA National Weather Service, Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Apopka

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