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Inspections ยท University

Roof inspections in University (Orange County), FL

Mobile homes make up 7.1 percent of housing units in University, more than twice the 3.1 percent countywide share. Their roofs fall under the HUD code, which is a different rulebook from the one for site-built houses. Whatever your home type, an inspection tells you the age, condition and remaining life of the roof before an insurer or a buyer asks.

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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.

University figures this page uses

Median year homes were built
1994
Share of homes built before 1980
14.3%
Owner-occupied share of occupied homes
37.4%
Mobile homes, share of housing units
7.1%

Housing age

How old are the roofs in University?

The median home here was built in 1994, the same as the county median. By our arithmetic, a 1994 home is more than 30 years old as of 2026. That suggests many original roofs have been replaced at least once, but a replacement date is something to confirm, not assume.

Only 14.3 percent of University homes predate 1980, against 26.1 percent across Orange County. The area skews newer than the county, so fewer roofs here are very old. Just 37.4 percent of occupied homes are owner-occupied, which means many roof decisions belong to landlords and property managers.

Florida rules

The 4-point roof section comes with age limits set by your insurer

Florida bars an insurer from dropping or refusing a homeowner policy only because the roof is under 15 years old. Once a roof reaches 15, you may bring in an authorized inspector at your own expense. If that inspector reports 5 or more years of useful life, age alone cannot be the reason for non-renewal.

The roof section of the 4-point form records the covering, roof age, remaining life, last roofing permit date and the percentage replaced. The inspector also checks for cupping, soft decking and stains or leaks under the deck. Citizens asks for this form on properties more than 20 years old, which would reach a good share of University homes built in 1994 or earlier.

Talk to your insurer or agent about what your policy requires. We explain the rule. We do not tell you what your policy covers.

Timing

When to order a roof inspection

  • Before you buy or sell, so the roof's age and condition are on paper.
  • After your insurer writes to you about the age of the roof.
  • After a wind event. Irma brought a 69 knot gust at Orlando International to Orange County in 2017.
  • Before a 4-point form deadline on a home more than 20 years old.

An inspection covers the items the forms ask about: covering, age, remaining life, permit history, damage and leaks. For a wind mitigation form, it also covers attic items you cannot see, such as deck nailing and roof-to-wall connectors. Roof permits in University come from the Orange County Division of Building Safety, so ask for the permit history there.

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Questions

Roof inspections in University: questions

What is the 15 year roof rule in Florida?

You will find Florida's 15 year roof rule written into Fla. Stat. 627.7011(5). Roof age alone cannot be the only reason an insurer declines to issue or renew a homeowner's policy when the roof is under 15 years old. If the roof is 15 years or older, the insurer must let you have an authorized inspector check it at your expense before requiring replacement. Where the inspection finds 5 or more years of useful life left on the roof, an insurer cannot turn down or non-renew the policy on the basis of roof age alone. Homes in University have a median build year of 1994, so many here have reached that point. Confirm how it applies with your insurer or agent.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

Do mobile homes in University follow the same roof rules?

Mobile homes are 7.1 percent of University housing units, versus 3.1 percent countywide. The HUD code governs them, and the Florida Building Code does not. The Senate staff note on the 15-year rule says it does not apply to mobile home policies. On properties more than 20 years old, a mobile home application to Citizens still needs a 4-point inspection. Ask your insurer which rules apply to your policy.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024, read Oct 5, 2026

Related: Roof inspections

Who can sign a roof inspection for my insurer?

Whoever carries out the inspection, your insurer is obliged to accept the findings. Florida's list includes a home inspector, a building code inspector, a general, building or residential contractor, a roofing contractor, an engineer or an architect. With 62.6 percent of occupied homes in University renter-occupied, by our arithmetic from the 37.4 percent owner share, landlords often make this call. Citizens roof forms ask for photos of each roof slope. Check with your insurer first.

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

Related: Roof inspections

How old does a roof have to be before Citizens asks for proof of life left?

Citizens asks for documentation of at least five years of remaining useful life on soft roofs such as shingle older than 25 years. Hard roofs, meaning tile, slate, clay, concrete or metal, get a cutoff of 50 years. With a median build year of 1994 in University, a shingle roof original to a median home would be past 25 years, so documentation may matter.

Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near University

Sources for this page(34)
  1. 1.Median year homes were built: 1994. 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, tables B25034/B25035. Read Oct 5, 2026.
  4. 4.Share of homes built before 1980: 14.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  6. 6.Owner-occupied share of occupied homes: 37.4%. 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.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: 7.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  13. 13.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.OIR form. Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  22. 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  24. 24.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  30. 30.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the University 2020 Census internal point (28.5890, -81.1975), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the University 2020 Census internal point (28.5890, -81.1975), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  34. 34.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.

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Roof inspections in University

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