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Inspections ยท Windermere

Roof inspections in Windermere, FL

Mobile homes make up 0.4 percent of housing units in Windermere, so nearly every roof here falls under the Florida Building Code and the state's insurer roof rules. A roof inspection tells you the covering's condition and how much useful life is left. Order one before you buy, sell, or answer an insurer letter.

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Updated October 2026

Grassy lakeside park with palm trees, benches, a park rules sign and a view across open water.
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: Lake Down Park by Town of Windermere, Florida, Public domain, cropped

Windermere figures this page uses

Median year homes were built
1989
Share of homes built before 1980
34.3%
Owner-occupied share of occupied homes
95.6%
Mobile homes, share of housing units
0.4%

Housing age

What age are the roofs in Windermere likely to be

The median Windermere home was built in 1989, against 1994 countywide. Another 34.3 percent of homes here were built before 1980. That suggests many roofs in town have been replaced at least once, and some original roofs are likely well past 15 years.

Age matters because of Fla. Stat. 627.7011(5). A roof under 15 years old cannot, on its own, be the reason an insurer declines to write a policy. Once a roof reaches 15 years, you are entitled to have an authorized inspector examine it, and the cost falls to you. Age alone cannot justify a refusal or non-renewal when the inspection finds 5 or more years of useful life remaining.

Owners occupy 95.6 percent of occupied homes in Windermere, so most inspection decisions here belong to the homeowner who lives under the roof.

Inspection scope

What the roof inspection checks

An inspector for an insurer follows the forms. The roof section of the 4-point form records the covering material, roof age, remaining useful life, last permit date, full or partial replacement, and overall condition. On properties more than 20 years old, Citizens calls for a 4-point inspection.

  • Heavy granule loss, along with cracking, cupping or curling
  • Exposed asphalt or exposed felt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Attic leaks and ceiling stains inside the house are signs you can spot yourself

Citizens also asks for documentation of at least five years of remaining life on shingle roofs older than 25 years, and on hard roofs such as tile or metal older than 50 years.

Timing and permits

When to order an inspection and who handles permits

Schedule one ahead of a purchase or sale, once an insurer sends you a roof-age letter, or following a storm. Hurricane Irma put peak gusts near 69 knots at Orlando International, and Matthew left mostly minor damage from falling branches. An inspection after wind like that documents what changed.

The 25 percent rule caps whatever repair comes next. If you repair, replace or recover more than 25 percent of a roof section in 12 months, the whole section must be replaced. A roof qualifies for the exception only if it was built, repaired or replaced to the 2007 Florida Building Code or a later edition, and the 2007 code took effect on March 1, 2009.

Roof permits in Windermere go through the Town of Windermere Building Department, with services provided by PDCS, LLC. Homes in the Historic Preservation Board's scope may involve extra review, so confirm with the building office first.

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Questions

Roof inspections in Windermere: questions

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

Florida law does not make you get a roof inspection, but it protects your right to one. Fla. Stat. 627.7011(5) says that when a roof is 15 years or older, you may have an authorized inspector check it at your expense, and the insurer must allow it. Roof age alone cannot be the insurer's reason to refuse or non-renew if the inspection finds 5 or more years of useful life left. In Windermere the median home was built in 1989, so many roofs here have already passed the 15-year mark, or will soon. Ask your insurer or agent how it treats your policy.

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 is the 25% roof rule in Florida?

In any 12-month period, no more than 25 percent of a roof section can be repaired, replaced or recovered, unless the entire section is replaced or recovered. The rule does not apply when the existing roof was built, repaired or replaced under the 2007 Florida Building Code or a later edition. With a median build year of 1989 in Windermere, confirm your roof's history with the building office before planning repairs.

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 the roof section of an insurer's inspection form?

Citizens' Roof Inspection Form must be signed by a general, residential, building or roofing contractor, a building code inspector, or a Florida-licensed home inspector, with photos of each roof slope. The 4-point form's roof section can take its place when it includes those photos. Many homes in the area date to around the median build year of 1989, so roofs of that age are often the ones an insurer asks to see documented. Check the signer's license before you pay, and confirm with your insurer that they accept that inspector.

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

Does a Windermere inspection cover mobile homes differently?

Mobile homes are only 0.4 percent of Windermere housing units, but they follow different rules. Senate staff note that the 15-year roof rule in Fla. Stat. 627.7011(5) does not apply to mobile home policies, and Citizens requires a 4-point inspection on mobile home applications for properties more than 20 years old. Your insurer can tell you which rules your policy falls under.

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

Nearby

Roof inspections near Windermere

Sources for this page(32)
  1. 1.Median year homes were built: 1989. 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.Share of homes built before 1980: 34.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. 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.Owner-occupied share of occupied homes: 95.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). 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: Town of Windermere Building Department (services by PDCS, LLC). Town of Windermere Building Department (services by PDCS, LLC). Read Oct 10, 2026.
  9. 9.Town of Windermere, Building Department. Read Oct 5, 2026.
  10. 10.Town of Windermere, Historic Preservation Board. Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 0.4%. 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 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. 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.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). 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.Citizens Property Insurance Corporation. Read Oct 5, 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 Matthew (2016), National Weather Service. Read Oct 5, 2026.
  22. 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  23. 23.Town of Windermere Building Department (services by PDCS, LLC), Town of Windermere Building Department. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count), U.S. Census Bureau. Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Windermere 2020 Census internal point (28.4981, -81.5416), 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 Windermere 2020 Census internal point (28.4981, -81.5416), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NWS Melbourne, Lightning Information Center, National Weather Service. 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.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  32. 32.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof inspections in Windermere

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