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Inspections ยท Meadow Woods

Roof inspections in Meadow Woods, FL

Mobile homes are just 0.5 percent of Meadow Woods housing units, so nearly every roof here is on a site-built house. Those roofs follow the Florida Building Code and the insurer age rules. The sections below cover what a roof inspection checks and when to order one.

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Updated October 2026

Metal Meadow Woods SunRail Station sign beside palm trees, with a passing train at dusk.
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: Meadow Woods station by U+1F360, CC BY-SA 4.0, cropped

Meadow Woods figures this page uses

Median year homes were built
2006
Share of homes built before 1980
6.4%
Mobile homes, share of housing units
0.5%

Housing age

How old are Meadow Woods roofs?

The median Meadow Woods home was built in 2006, against 1994 across Orange County. Another 39.8 percent of homes went up in 2010 or later. That suggests many original roofs here are in or near the 15-year range that insurers watch.

Only 6.4 percent of homes here predate 1980, compared with 26.1 percent countywide. Very old roofs are the exception in Meadow Woods. A roof that has already been replaced once may be younger than the house it covers, so check permit records before assuming an age.

Once a roof reaches 15 years, Florida law lets you bring in an authorized inspector before your insurer acts on its age. You pay for that visit. If the inspector finds 5 or more years of useful life left, the insurer may not refuse or non-renew you solely because of age.

Inspection scope

What a roof inspector looks at

On the insurer's 4-point form, the roof section lists the covering material, the roof's age, its remaining useful life, and the date of the last roofing permit. It notes whether the last job was a full or partial replacement. Each slope gets its own photo.

  • Cracked, curled or cupped shingles and tiles
  • Granules worn off, leaving bare asphalt or felt showing
  • Loose, missing or broken tabs
  • Spongy spots in the roof deck
  • Look for ceiling stains or active leaks, along with signs of moisture beneath the roof decking.

A separate wind mitigation inspection covers attic items you cannot see from the ground, such as deck attachment and roof-to-wall connections. Form OIR-B1-1802 stays valid for up to five years if nothing material changes on the home.

Timing

When to order an inspection

Order one when you buy or sell, when an insurer letter questions your roof age, or after a storm. Hurricane Irma brought gusts of 69 knots to Orlando International, and Hurricane Ian ended with a man falling from a ladder while clearing roof debris. Stay off the roof and have it checked from a safe position.

If you plan a repair afterward, remember the 25 percent rule. A roof built, repaired or replaced under the 2007 Florida Building Code or later gets an exception, so only the repaired part must meet current code. Orange County Division of Building Safety issues permits for Meadow Woods, so confirm requirements there.

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Questions

Roof inspections in Meadow Woods: questions

Can my insurer drop me because my Meadow Woods roof is 15 years old?

Age alone is not enough if you have the roof checked first. With a median build year of 2006 in Meadow Woods, many roofs are reaching this age now. Florida Statute 627.7011(5) says that for a roof 15 years or older, the insurer must let you have an authorized inspector check it at your own expense. If that inspection shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew you for roof age alone.

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

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

Your insurer has to accept the inspector, and the person must fit a group set by statute: a home inspector, a building code inspector, a roofing or general contractor, a professional engineer, or an architect, each holding the matching Florida credential. Insurers can name other qualified people too. Meadow Woods homeowners in Orange County should get the insurer's list in writing before booking, since the county median build year is 1994 and many older homes there will ask the same question.

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

Related: Roof inspections

How long is a wind mitigation inspection good for?

Up to five years. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026, and stays valid if no material changes are made to the structure. With a 2006 median build year in Meadow Woods, the form's building code era question is worth reading closely. Your insurer decides how the answers affect your policy.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

What is the 25% roof rule in Florida?

If you repair, replace or recover more than 25 percent of a roof in any 12-month period, the whole roof covering must be replaced or recovered. An exception applies when the existing roof was built, repaired or replaced under the 2007 Florida Building Code or later, so only the repaired part must meet current code. Orange County Division of Building Safety enforces it for Meadow Woods, so confirm with that office.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Meadow Woods

Sources for this page(29)
  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.Median year homes were built: 2006. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Share of homes built before 1980: 6.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  7. 7.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  8. 8.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  9. 9.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  10. 10.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 0.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 5, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  18. 18.2023 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).
  19. 19.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  20. 20.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  21. 21.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  22. 22.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  25. 25.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. 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 Meadow Woods 2020 Census internal point (28.3729, -81.3337), 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 Meadow Woods 2020 Census internal point (28.3729, -81.3337), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Meadow Woods

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