Inspections · Orlando

Roof inspections in Orlando, FL

The median Orlando home was built in 1992, which puts more than half the city's houses past the 20-year mark where Citizens asks for a 4-point inspection on new applications. A roof inspection in Orlando, FL often starts with an insurer's form, so it helps to know what each form asks before anyone climbs a ladder.

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Updated October 2026

Elevated daytime view of a city skyline with open fields, trees, and a highway in front. — Photo: Orlando, Florida by Quintin Soloviev, CC BY 4.0, cropped

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. — Photo: Orlando, Florida by Quintin Soloviev, CC BY 4.0, cropped

Orlando figures this page uses

Median year homes were built: 1992
Share of homes built before 1980: 32.6%
Share of homes built 2010 or later: 19.7%
Owner-occupied share of occupied homes: 39.5%

Local know-how

Orlando's housing age and the insurer's forms

Three numbers frame most Orlando inspections. Half the city's homes date from 1992 or earlier, two years older than the county's 1994 median; 32.6% predate 1980; and only 19.7% were built in 2010 or later. Citizens requires a 4-point inspection, covering electrical, plumbing, HVAC and roof, for applications on properties more than 20 years old. Its roof-age line asks for proof of at least five years of remaining life on shingle roofs older than 25 years and on tile or metal roofs older than 50.

The state's 15-year rule sits on top of that. An insurer may not refuse to write or renew a homeowner's policy solely because the roof is under 15 years old. Once it is 15 or older, the insurer must let you have it inspected at your own expense before requiring a replacement, and it cannot refuse or non-renew for age alone if the inspection shows 5 or more years of life left (627.7011(5)). The roof's age counts from its last full replacement, not from the house.

Wind mitigation

What the wind mitigation form looks for on an Orlando roof

The uniform mitigation form, OIR-B1-1802 (Rev. 04/26), is valid for up to five years if nothing material changes. Its roof questions cover the code era, the wind-speed region for your address from the ASCE 7-22 hazard tool, slope, covering type and its product approval, deck nailing, the roof-to-wall connection, hip or other geometry, and whether there is a sealed roof deck. Plain underlayment or hot-mopped felt does not count as a sealed deck.

Insurers must offer discounts or credits for roof features that cut wind losses (627.0629), and the state's consumer notice says those discounts apply only to the hurricane-wind part of a policy; your insurer or agent has the specifics. On Orlando's pre-1980 houses, 32.6% of the stock, the attic items on this form are worth seeing for yourself: deck nails, roof-to-wall connectors and any seam tape on the deck.

If you searched for the city's roof inspection, that is a different visit. City of Orlando Permits & Inspections inspects permitted roof work, with a sheathing inspection at dry-in and a roofing inspection when the covering and flashing are on.

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Questions

Roof inspections in Orlando: questions

Who can inspect an Orlando roof for the 15-year rule?

Your insurer decides whom it accepts, inside the statute's list. For the 15-year rule, Fla. Stat. 627.7011(5)(a) names home inspectors, building code inspectors, general, building, residential and roofing contractors, engineers, architects, and anyone else the insurer recognizes as qualified. The inspection is at your expense. With Orlando's median home built in 1992, ask your insurer which form and which kind of inspector it wants before you book anyone, so the first visit produces the document it will take.

Related: Roof inspections

What does a 4-point inspection record about my roof?

The roof section of Citizens' 4-point form records the covering material, the roof's age and remaining useful life, the date of the last roofing permit, whether the last replacement was full or partial and what share was replaced, the overall condition, and a damage list: cracking, curling, granule loss, exposed felt, missing or cracked shingles or tiles, soft decking and leaks in the attic or ceilings. In Orlando, where 32.6% of homes predate 1980, have the last roof permit from City of Orlando Permits & Inspections on hand.

Related: FAQ

Is there a state program that helps pay for roof upgrades in Orlando?

Florida's My Safe Florida Home program, created by Fla. Stat. 215.5586, offers wind inspections and matching grants for site-built, owner-occupied single-family homes with a homestead exemption, and grants can go toward roof-to-wall connections, deck attachment, a secondary water barrier or a new roof covering, subject to conditions such as a build date before 2008. The statute says the program creates no entitlement, and the program site did not say in October 2026 whether applications were open, so check mysafeflhome.com. Only 39.5% of Orlando's occupied homes are lived in by their owners.

Related: FAQ

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