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Inspections ยท Kissimmee

Roof inspections in Kissimmee, FL

Only 16.1% of Kissimmee's homes were built in 2010 or later, so roughly 84 in 100 houses here are old enough that an untouched original roof would be past the 15-year mark insurers watch. A roof inspection in Kissimmee, FL usually answers the insurer's forms: the 4-point, the wind mitigation report and the roof's documented age.

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Updated October 2026

Three-storey red brick commercial building with white window trim beside a green-awning storefront and parked cars.
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: Kissimmee, Florida by Pokemonprime, CC BY 4.0, cropped

Kissimmee figures this page uses

Share of homes built 2010 or later
16.1%
Median year homes were built
1992
Mobile homes, share of housing units
3%

Local know-how

Fifteen years, twenty years and a 1992 median

Fla. Stat. 627.7011(5) stops an insurer from refusing or non-renewing a homeowner's policy only because the roof is less than 15 years old. After 15, the insurer must let you have the roof checked by an authorized inspector, at your expense, before it can require a replacement, and if that inspection shows 5 or more years of useful life, age alone cannot end the policy.

In Kissimmee the house's age and the roof's age can be decades apart, and countywide just 27.4% of homes date from 2010 on. Roof age for insurance runs from the last date the entire surface was built or replaced (627.7011(5)(d)), and the 4-point form asks for the date of the last roofing permit. Keep that permit card with your policy papers.

The 15-year section has one gap to know about. Senate staff note it does not apply to mobile home policies, and 3.0% of Kissimmee's housing units are mobile homes.

The forms

What the 4-point and the wind form record

  • Citizens requires a 4-point inspection (electrical, plumbing, HVAC and roof) for properties more than 20 years old, which takes in every Kissimmee house built before 2006.
  • The 4-point roof section records covering type, age, remaining useful life, last permit date, full or partial replacement and a damage list, with photos of each slope.
  • The wind mitigation form, OIR-B1-1802 (Rev. 04/26, effective April 1, 2026), grades code era, slope, covering, deck attachment, roof-to-wall connection, roof shape and any sealed roof deck. A completed form holds for as long as five years, provided the structure does not change materially.

For a house built before 2002, two of those wind questions are answered in the attic, out of the owner's sight: how the deck is nailed and how the trusses meet the walls. With Kissimmee's median house at 1992, that attic visit is part of most wind mitigation inspections here.

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Questions

Roof inspections in Kissimmee: questions

Who can sign a wind mitigation form for a Kissimmee home?

The statute lists them. Under Fla. Stat. 627.711(2)(a), insurers must accept the form from a home inspector holding a 468.8314 license who has at least 3 hours of hurricane mitigation training and a proficiency exam, a building code inspector, a general, building or residential contractor, a professional engineer, an architect, or anyone else the insurer recognizes. On a Kissimmee house from 1992, the form's first question, which asks whether the home was built to the 2001 Florida Building Code or later, will not be checked, so the attic items carry the rest.

Source: Fla. Stat. 627.711(2)(a); Florida OIR form OIR-B1-1802 (Rev. 04/26), read October 5, 2026.

Related: Roof inspections

Will my Kissimmee house need a 4-point inspection?

If Citizens insures it and the property is more than 20 years old, yes: Citizens requires a 4-point inspection for those applications, covering electrical, plumbing, HVAC and the roof. With a median build year of 1992 and only 16.1% of homes from 2010 on, most Kissimmee houses are past that age. Other insurers set their own underwriting rules, so ask your agent what yours requires. The 4-point's roof section can stand in for Citizens' separate Roof Inspection Form when it includes photos of every slope.

Source: Citizens Property Insurance, Inspections page and 4-Point form Insp4pt 03 25, read October 5, 2026.

Related: FAQ

How do I prove my roof's age in Kissimmee?

With the permit. Florida measures roof age from the last date 100 percent of the surface was built or replaced, so the permit and final inspection for your last full re-roof are the record that counts. Inside the city those records sit with the City of Kissimmee Building Division; outside it, with the Osceola County Building Office. In a city where the median house dates to 1992, a newer roof without paperwork can be hard to tell apart from the original, and the underwriter will go by what you can document.

Source: Fla. Stat. 627.7011(5)(d); City of Kissimmee, Permits & Inspections, read October 5, 2026.

Related: Roof inspections

Nearby

Roof inspections near Kissimmee

Sources for this page(28)
  1. 1.Share of homes built 2010 or later: 16.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Median year homes were built: 1992. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Mobile homes, share of housing units: 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, table B25035. Read Oct 5, 2026.
  5. 5.Permit office: City of Kissimmee Building Division (Permits & Inspections). City of Kissimmee Building Division (Permits & Inspections). Read Oct 5, 2026.
  6. 6.Share of homes built 2010 or later: 27.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Permit office: Osceola County Building Office (Building and Permits). Osceola County Building Office (Building and Permits). Read Oct 10, 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.Insp4pt 03 25. 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 Statutes, section 627.711 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026): homeowners' policies, roof age (subsection 5), Florida Legislature. Read Oct 5, 2026.
  16. 16.Florida Statutes, section 627.711 (2026): the uniform mitigation verification form and who may sign it, Florida Legislature. Read Oct 5, 2026.
  17. 17.Citizens Property Insurance Corporation, Inspections (4-point and roof age requirements), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Citizens 4-Point Inspection Form, Insp4pt 03 25 (roof section), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), Florida Office of Insurance Regulation. Read Oct 5, 2026.
  20. 20.Florida Building Code effective dates (2001 through 2023 editions), Florida Building Commission. Read Oct 5, 2026.
  21. 21.Florida Statutes, section 553.844 (2026): windstorm loss mitigation, roofing requirements and the 2007-code exception, Florida Legislature. Read Oct 5, 2026.
  22. 22.2023 Florida Building Code, Building, 8th ed., Ch. 1 Scope and Administration (102.8, 105.1, 105.2.2, 107, 110.3), International Code Council (Florida Building Commission). Read Oct 5, 2026.
  23. 23.FEMA Hurricane Michael Recovery Advisory 2: Best Practices to Minimize Wind and Water Infiltration Damage (June 2019), FEMA. Read Oct 5, 2026.
  24. 24.Hurricane Ian in Florida: a mitigation success story for building codes (Building Safety Journal, 2024-02-07), summarizing FEMA P-2342, International Code Council. Read Oct 5, 2026.
  25. 25.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  26. 26.UF researchers identify ways to prevent shingle blow-off in hurricanes, University of Florida Herbert Wertheim College of Engineering. Read Oct 5, 2026.
  27. 27.NRCA consumer roofing guidelines and resources, National Roofing Contractors Association. Read Oct 5, 2026.
  28. 28.Florida Senate, SB 808 (2026) staff analysis, The Florida Senate. Read Oct 5, 2026.

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Roof inspections in Kissimmee

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