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Inspections ยท Lockhart

Roof inspections in Lockhart, FL

Mobile homes make up 4.2 percent of Lockhart's housing units, and those roofs follow different rules than site-built houses. Across the rest of town, 37.6 percent of homes predate 1980. A roof inspection tells you what condition the covering is in, and Florida law ties several decisions to that answer.

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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.

Lockhart figures this page uses

Median year homes were built
1984
Share of homes built before 1980
37.6%
Mobile homes, share of housing units
4.2%
Owner-occupied share of occupied homes
65.1%

Housing age

Lockhart's 1984 median home and what it means for roofs

The median Lockhart home was built in 1984, ten years earlier than the countywide median of 1994. Only 4.0 percent of local housing units went up in 2010 or later, against 19.3 percent across Orange County. Newer construction is scarce here, so fewer roofs come with recent installation dates.

Because many roofs have been replaced since a house was built, the build year alone says little about how old the roof actually is. Still, with 37.6 percent of homes built before 1980, compared with 26.1 percent countywide, you cannot assume an original roof is gone. An inspector can read the covering and the permit history to settle it.

Mobile homes in Lockhart follow the HUD code, so check roof questions against that standard and not the Florida Building Code's building-era lines. Senate staff also note that the insurer 15-year roof rule does not apply to mobile home policies.

Insurer rules

Insurer roof rules for Lockhart's older homes

Fla. Stat. 627.7011(5) bars an insurer from refusing or non-renewing a homeowner's policy solely on the basis that the roof is under 15 years old. Past the 15-year mark, you have the right to bring in an authorized inspector at your own cost. Should that inspector find 5 or more years of useful life remaining, the roof's age by itself cannot justify a refusal.

On the 4-point form, the roof section captures the covering material, the roof's age, its remaining useful life, the date of the most recent roofing permit, and any partial replacement. Damage such as curling, granule loss, soft decking and attic leaks is listed there as well. Citizens asks for a 4-point inspection on properties more than 20 years old, which describes many Lockhart houses given the 1984 median.

Citizens also wants documentation that a shingle roof over 25 years old has at least five years of life left. For what your own policy covers or requires, ask your insurer or agent.

Timing

When to order an inspection in Lockhart

  • Buying or selling: a written condition report and any permit record settle roof questions before closing.
  • An insurer letter about roof age: the 15-year rule lets you have an authorized inspector check the roof at your expense.
  • After a storm: Hurricane Irma brought gusts of 69 knots to Orlando International, so check for lifted tabs and attic leaks.
  • Before a repair: the county building office can confirm permit requirements and past roof work.

About 65.1 percent of occupied Lockhart homes are owner-occupied, so most inspection costs fall on the owner who lives there. Roof permits here come from the Orange County Division of Building Safety, which takes requests through its Fast Track portal.

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Questions

Roof inspections in Lockhart: questions

Do I need a roof inspection if my Lockhart roof is over 15 years old?

Florida does not require one. The rule in Fla. Stat. 627.7011(5) gives you the choice. If your insurer questions a roof that is 15 years or older, you may have an authorized inspector check it at your own expense. An inspector's finding of 5 or more years of remaining useful life takes away the insurer's ability to refuse or non-renew solely because of age. With 37.6 percent of Lockhart homes built before 1980, many owners may face this question.

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

What does an inspector look at on my roof?

An inspector checks the covering, its age and remaining life, past permits, and damage such as cracking, curling, granule loss, soft decking and visible leaks. For wind mitigation forms, the inspector also checks attic items you cannot see, such as roof-deck nailing and roof-to-wall connectors, and takes photos. Homes in Lockhart with a 1984 median build year often have older framing worth checking.

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 can sign an insurer's roof inspection?

Your insurer decides who is accepted. The state list includes licensed home inspectors, certified building code inspectors, licensed general, building, residential or roofing contractors, professional engineers and architects. Citizens' own roof form takes the signature of a contractor, a building code inspector or a Florida-licensed home inspector, plus photos of each slope. With 4.2 percent of Lockhart homes being mobile homes, confirm which form applies to yours.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

How long do I have to report storm damage in Orange County?

The insurer must receive notice within 1 year of the date of loss for a new or reopened claim, or the claim is barred. A supplemental claim has 18 months. Hurricane Irma's 69-knot gust at Orlando International shows how severe Orange County storms can get. For your policy's terms, call your insurer or agent.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Lockhart

Sources for this page(30)
  1. 1.Median year homes were built: 1984. 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 B25035. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  4. 4.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.
  5. 5.Share of homes built before 1980: 37.6%. 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: 4.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  8. 8.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  9. 9.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 65.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
  12. 12.Citizens Property Insurance Corporation. 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 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.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.
  21. 21.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  22. 22.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  24. 24.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  25. 25.Miami-Dade County RER notice, Miami. 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 NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Lockhart 2020 Census internal point (28.6248, -81.4322), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Lockhart 2020 Census internal point (28.6248, -81.4322), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.

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Roof inspections in Lockhart

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