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Inspections ยท Conway

Roof inspections in Conway, FL

Mobile homes make up 1.9 percent of Conway's housing units, so most roofs here sit on site-built houses, and those houses are old. The median home was built in 1975. Many of these roofs are likely past 15 years, the age when insurers start asking questions.

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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.

Conway figures this page uses

Share of homes built before 1980
60.1%
Owner-occupied share of occupied homes
86.4%
Median age
44.1yrs
Mobile homes, share of housing units
1.9%

Housing age

How old Conway homes shape roof inspections

In Conway, 60.1 percent of homes were built before 1980. Countywide the share is 26.1 percent. Only 0.5 percent of Conway homes date from 2010 or later, against 19.3 percent across Orange County. A newer roof on an old house is common, but an original roof here would be far past 15 years.

Owners occupy 86.4 percent of occupied homes, and the median age is 44.1 years. That suggests many roofs are paid for and decided on by the people who live under them, with no landlord to ask about their age.

Mobile homes follow the federal HUD code, not the Florida Building Code, and the 15-year insurer statute does not apply to mobile home policies. If yours is one of the 1.9 percent, ask your insurer which roof form it wants.

The 15-year rule

Roof questions from insurers on Conway's older houses

Florida bars an insurer from turning you down only because your roof is younger than 15 years. After 15 years, the insurer has to let you bring in an authorized inspector, paid for by you. A report showing 5 or more years of useful life means age alone cannot be the reason to drop or refuse you.

Citizens Property Insurance wants papers showing five years of remaining life once a shingle roof passes 25 years. Tile, slate and metal are measured against 50 years. Citizens also requires a 4-point inspection on properties over 20 years old, and in Conway the median home is from 1975.

The roof section of the 4-point form records the covering, roof age, remaining useful life, date of the last roofing permit, and the overall condition. It also lists damage items such as curling, granule loss, exposed felt, soft decking and attic leaks.

Ordering one

Inspection scope and the right time to schedule

An inspector walks the slopes, photographs each one, and checks the damage list above. For a wind mitigation form, the inspector also looks in the attic at deck nailing and roof-to-wall connections. Those are items you cannot judge from the ground.

Order one before buying or selling an older Conway house, when your insurer sends a roof-age letter, and after a storm. Orange County saw peak gusts of 69 knots at Orlando International during Hurricane Irma in 2017. The wind mitigation form stays valid up to five years if nothing about the structure changes.

Any repair or replacement that follows needs a permit. Conway is unincorporated, so the Orange County Division of Building Safety issues it through its online Fast Track portal.

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Questions

Roof inspections in Conway: questions

What is the 15 year roof rule in Florida?

Fla. Stat. 627.7011(5) bars an insurer from refusing or non-renewing a policy on the sole ground that the roof is under 15 years old. Once a roof reaches 15 years or more, the insurer is required to allow you to bring in an authorized inspector, and you pay for that inspection yourself. If the inspector finds 5 or more years of useful life left, age alone cannot be the reason to refuse or non-renew. With 60.1 percent of Conway homes built before 1980, this rule applies to many houses here.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034, read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurer in Conway?

Your insurer has to accept the inspector, and the person must hold one of several credentials: a home inspector license, a building code inspector certification, a general or roofing contractor license, or work as a professional engineer or architect. The insurer may also recognize others. Confirm the license through the state before you hire anyone, and ask your insurer or agent which forms it wants. Orange County is the permit office if repairs follow.

Source: Orange County Government, Division of Building Safety, read Oct 5, 2026

Related: Roof inspections

Does the 25 percent roof rule affect an inspection finding?

It can. Florida's rule says that if more than 25 percent of a roof section is repaired or replaced in any 12-month period, the whole section must be replaced or recovered. A roof that itself was built, repaired or replaced under the 2007 Florida Building Code or later gets an exception. With a median home build year of 1975 in Conway, ask the inspector how old the roof itself is, then check with the Orange County building office.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035, read Oct 5, 2026

Related: Roof inspections

Should I order a roof inspection after a storm in Conway?

Yes, if you see missing tabs, ceiling stains or soft spots. Hurricane Ian ended with one death in Orange County when a man fell from a ladder clearing debris from his roof. Stay off the roof and have an inspector check it. Report any claim to your insurer within 1 year of the date of loss, and a supplemental claim within 18 months.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Conway

Sources for this page(28)
  1. 1.Share of homes built before 1980: 60.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. 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: 86.4%. 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 age: 44.1. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Mobile homes, share of housing units: 1.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Median year homes were built: 1975. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  9. 9.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  10. 10.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  11. 11.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  12. 12.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
  13. 13.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
  21. 21.2023 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).
  22. 22.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  25. 25.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  26. 26.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Conway 2020 Census internal point (28.4969, -81.3330), 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 Conway 2020 Census internal point (28.4969, -81.3330), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Conway

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