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Inspections · Winter Garden

Roof inspections in Winter Garden, FL

Winter Garden's median home was built in 2004, so a house at the median turned 20 in 2024, and its original roof, if it still has one, is well past 15. A roof inspection in Winter Garden, FL is how an owner answers an insurer at that stage, and every form involved is public.

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Updated October 2026

Brick clock archway with a red tiled roof stands over a paved downtown plaza on a sunny day.
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: Downtown Winter Garden (Plant Street - June 10, 2024) by Freeholdman12, CC BY 4.0, cropped

Winter Garden figures this page uses

Median year homes were built
2004
Share of homes built before 1980
15.4%
Single-family detached share of housing units
68.9%

Local know-how

The age lines a Winter Garden roof crosses

  1. 01

    15 years: the statute

    Under Fla. Stat. 627.7011(5), roof age alone cannot be the reason an insurer refuses or drops a homeowner's policy while the roof is under 15. Past 15, you can have it inspected at your own cost before the insurer requires a replacement, and 5 or more years of remaining life keeps age from being the only reason to non-renew.

  2. 02

    20 years: Citizens' 4-point

    Citizens requires a 4-point inspection on applications for properties more than 20 years old. A house built at Winter Garden's 2004 median crossed that line in 2024.

  3. 03

    25 or 50 years: Citizens' roof-age line

    Shingle roofs past 25 years, and tile or metal roofs past 50, need documents showing at least five more years of life.

For all three, roof age runs from the last full replacement, not from the house. On the 15.4% of Winter Garden homes built before 1980, the permit history matters more than the build year.

Wind mitigation

Wind form answers that change on a Winter Garden house

The current uniform mitigation form is OIR-B1-1802 (Rev. 04/26), in effect since April 1, 2026 and valid up to five years if the structure does not change materially. For a house built in 2004, the form's building-code question points to the FBC 2001/2004 era rather than FBC 2007 and later.

Deck attachment and the secondary water barrier are where a re-roof changes the answers. The form's deck question runs from staples or 6d nails at 6 inches on the edges and 12 in the field up to 8d nails at 6 inches in the field, and its sealed-deck question accepts a fully adhered membrane, taped seams or a double layer of underlayment. Insurers must offer discounts or credits for wind-resistant roof features; ask your insurer or agent how theirs work. The City of Winter Garden Building Department's inspections are separate: they check permitted work at dry-in and when the roof is finished.

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Questions

Roof inspections in Winter Garden: questions

Does a hip roof help on a Winter Garden wind mitigation report?

The form treats roof shape as its own question. A roof counts as a hip roof only if non-hip features, such as gables, make up no more than 10% of the total roof perimeter. A single-family home with a flat roof is graded 'Other,' because the form saves 'Flat' for buildings of five or more units. Detached houses are 68.9% of Winter Garden's housing, so the single-family rules on this form are the ones most local reports follow; your insurer explains what each grade is worth.

Related: Roof inspections

Should I get my Winter Garden roof inspected after a hurricane?

If the storm brought damaging wind to your street, yes. Milton in 2024 brought gusts of 55 to 75 mph across Orange County, locally 87, and the county recorded 188 structures affected. Inspectors working from Citizens' list look for cracking, curling, granule loss, exposed felt, missing or cracked shingles or tiles, soft decking, hail damage and leaks in the attic and ceilings. Write down the date you find damage; a property claim needs notice to the insurer within 1 year of the date of loss.

Related: FAQ

Who can sign a Citizens roof form for my Winter Garden home?

Citizens' Roof Inspection Form must be signed by a general, residential, building or roofing contractor, a building code inspector or a Florida home inspector, with photos of each roof slope, and it records the roof's remaining useful life. The roof section of the 4-point form, with those photos, can take its place. For a house from Winter Garden's 2004 median, expect the form to ask when the roof was last permitted; the City of Winter Garden Building Department can tell you.

Related: Roof inspections

Nearby

Roof inspections near Winter Garden

Sources for this page(25)
  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.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  4. 4.Median year homes were built: 2004. 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: 15.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Single-family detached share of housing units: 68.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Permit office: City of Winter Garden Building Department. City of Winter Garden Building Department. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  11. 11.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  12. 12.OIR form. Read Oct 4, 2026.
  13. 13.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  14. 14.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  15. 15.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  16. 16.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.Insp4pt 03 25. Read Oct 4, 2026.
  21. 21.National Roofing Contractors Association. Read Oct 5, 2026.
  22. 22.FBCR Ch. 9. Read Oct 4, 2026.
  23. 23.FEMA FL-RA2. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. Unofficial transcription; verify on floridabuilding.org.
  25. 25.NOAA Atlas 14 Volume 9 version 2, partial-duration series, point estimates at Winter Garden's 2020 Census internal point, NOAA National Weather Service, Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Winter Garden

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