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Inspections ยท Lake Butler

Roof inspections in Lake Butler, FL

Mobile homes are 0.2 percent of Lake Butler's housing units, so almost every roof here sits under the Florida Building Code, not the HUD code. The median home went up in 2003, and only 7.8 percent predate 1980. An inspection tells you what condition the roof is in now, in plain terms.

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Updated October 2026

Brick courthouse with arched entrance, flagpole, benches and palm trees under 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: Union County Courthouse; Lake Butler, FL; Dec-2022 by DanTD, CC BY-SA 4.0, cropped

Lake Butler figures this page uses

Median year homes were built
2003
Owner-occupied share of occupied homes
86.9%
Mobile homes, share of housing units
0.2%
Share of homes built before 1980
7.8%

Age and insurers

Roof ages in a town built mostly after 2000

Lake Butler homes are newer than the county average. The median year built is 2003 here against 1994 countywide. That describes homes, not roofs, so you cannot read a roof's age from it. A roof replaced after a storm may be far younger than the house. One built in 2003 and never replaced is already past 15 years.

Florida law puts the line at 15 years. Below it, an insurer cannot turn down or drop a homeowner policy solely over roof age. At 15 years or more, Lake Butler owners may hire an authorized inspector at their own cost. When an inspection finds at least 5 years of useful life remaining, an insurer cannot refuse or decline to renew a policy based on the roof's age alone.

Citizens Property Insurance sets separate lines. Once a shingle roof passes 25 years old, you need paperwork showing it has at least five years of life left. Tile or metal gets a 50-year line. A home over 20 years old also needs a 4-point inspection that includes the roof. To learn which cutoff your policy applies, ask your agent or the insurer directly.

Inspection scope

What a roof inspection checks

The inspector records the covering material, the roof's age, its remaining life and the last permit date. The report also notes whether the roof was fully or partly replaced and by what percentage. Then comes the damage list: cracking, curling, heavy granule loss, exposed felt, missing or loose tabs, soft decking and attic leaks.

A wind mitigation inspection is separate. It uses form OIR-B1-1802, effective April 1, 2026, and the report stays valid for up to five years if nothing material changes. It looks at roof deck attachment, roof-to-wall connections and a sealed roof deck, items you cannot see from the ground. The signer must inspect in person.

Timing

When to order an inspection in Orange County

  • Buying: a 2003 median year built does not tell you the roof's age, so ask for the permit history.
  • Selling: 86.9 percent of occupied homes here are owner-occupied, so buyers will ask for a current roof report.
  • Insurer letter: if your insurer questions a roof of 15 years or more, you may order your own authorized inspector.
  • After a storm: Hurricane Irma brought a 69-knot gust to Orlando International, and a report taken soon after helps date any damage.

A claim notice must reach your insurer within 1 year of the date of loss, or 18 months for a supplemental claim. Florida law bars roofers from soliciting claims or advising on coverage, so coverage questions go to your insurer or agent. Orange County Division of Building Safety handles roof permits here.

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Questions

Roof inspections in Lake Butler: questions

Does Florida require a roof inspection at 15 years?

Nothing in the statute orders an inspection when a roof turns 15. The rule governs insurers. If your roof is 15 years or older, the insurer must allow your own authorized inspector, and a finding of 5 or more years of useful life stops a refusal or non-renewal for age alone. With a 2003 median build year in Lake Butler, many roofs are likely near that line.

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

Who counts as an authorized inspector in Florida?

The insurer must accept the inspector, and the person must fit a listed group. Qualifying professionals include a licensed home inspector, a certified building code inspector, a professional engineer, an architect, or a licensed general, building, residential or roofing contractor. Other professionals may also be accepted as qualified by the insurer. Confirm with your insurer first, since Lake Butler has 86.9 percent owner occupancy and most owners pay for this themselves.

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

Related: Roof inspections

What does the roof section of the 4-point inspection ask?

It records the covering material, roof age, remaining useful life, date of the last roofing permit, full or partial replacement with the percentage, overall condition and a damage list. You can submit photos of every roof slope instead of filling out the separate Roof Inspection Form. Citizens requires a 4-point for properties over 20 years old, and only 7.8 percent of Lake Butler homes predate 1980.

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

Related: Roof inspections

How long does a wind mitigation report last?

Form OIR-B1-1802, effective April 1, 2026, is valid for up to five years if no material changes are made to the structure and no inaccuracies are found. It checks roof deck attachment, roof-to-wall connections and sealed roof deck, among other items. Insurers must describe their hurricane mitigation discounts on their websites. Ask your insurer how your Orange County policy applies the report.

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

Related: Roof inspections

Nearby

Roof inspections near Lake Butler

Sources for this page(30)
  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, tables B25034/B25035. Read Oct 5, 2026.
  3. 3.Median year homes were built: 2003. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  4. 4.Owner-occupied share of occupied homes: 86.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  6. 6.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  7. 7.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  8. 8.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
  9. 9.Mobile homes, share of housing units: 0.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Share of homes built before 1980: 7.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.711 (2026). Read Oct 5, 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.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 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. 26.2023 Florida Building Code, Building, 8th ed., Chapter 15 (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 Lake Butler 2020 Census internal point (28.4828, -81.5387), 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 Lake Butler 2020 Census internal point (28.4828, -81.5387), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof inspections in Lake Butler

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