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Inspections ยท Boca Raton

Roof inspections in Boca Raton, FL

Boca Raton's median home was built in 1983, three years before the county median, so it turns 43 in 2026. That puts it past Citizens' 20-year line for a 4-point inspection, and an original shingle roof on it would be past both the 15-year line in state law and Citizens' 25-year line. The inspection forms decide what happens next.

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Updated October 2026

Aerial view of a coastal inlet, high-rise towers, a lake, and a long sandy beachfront under clear sky.
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: Boca Raton, Florida by Quintin Soloviev, CC BY 4.0, cropped

Local know-how

Boca Raton homes and the insurer's roof-age lines

The state rule protects a roof under 15 years old from refusal or non-renewal on age alone. Once a roof turns 15, the insurer must let the owner have an authorized inspector check it at the owner's cost before requiring replacement, and an inspection showing at least 5 years of remaining life means the insurer may not refuse or non-renew based on age alone (Fla. Stat. 627.7011(5)). Senate staff note the section does not reach mobile home policies, a small matter in a city where mobile homes are 0.2% of housing.

Citizens asks for a 4-point inspection on homes older than 20 years and for proof of 5 years of remaining life on shingle roofs past 25 or hard roofs, tile and metal among them, past 50. A 2026 bill to widen the inspector list and set a separate standard for low-slope roofs died in committee on March 13, 2026, so section 627.7011(5) remains in force as written.

Roof age runs from the last full replacement, not the house's age (627.7011(5)(d)); the city's Building Permits and Inspections office holds that permit date.

The forms

Wind mitigation in Boca Raton: region, roof shape and deck

The wind mitigation form, OIR-B1-1802 (Rev. 04/26), sorts a house by design wind speed from ASCE 7-22: Region 1 at 140 mph or more, Region 2 at 130 to 139, Region 3 under 130, with the High-Velocity Hurricane Zone as its own box. Boca Raton homes fall into one of the three regions; a Deerfield Beach home across the line is graded as HVHZ.

Deck and connections carry much of the grade. The form scores deck nailing from staples or 6d nails up to 8d nails at 6 inches, and the roof-to-wall link from toenails through clips and single or double wraps to structural anchors, with metal connectors counting only with at least 3 nails into the truss. A signer must inspect in person, and the form stays valid up to five years if nothing material changes.

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Questions

Roof inspections in Boca Raton: questions

Who can sign a wind mitigation form for a Boca Raton home?

Florida law lists who insurers must accept: a home inspector with 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 (Fla. Stat. 627.711(2)(a)). The signer has to inspect the house personally; only engineers and certain contractors may send a direct employee. For a Boca Raton house built around the city's 1983 median year, the attic items, deck nailing and roof-to-wall connectors, decide most of the form.

Source: Fla. Stat. 627.711 (2026), read October 5, 2026.

Related: Roof inspections

How does the wind mitigation form treat a Boca Raton condo building's flat roof?

With its own definition. On OIR-B1-1802, a flat roof means a building of five or more units where at least 90% of the main roof has a slope under 2:12; a single-family house with a flat roof is graded Other. A hip roof qualifies only if non-hip features are no more than 10% of the roof perimeter. In Boca Raton, where 42.5% of housing units are in buildings of 10 or more units, the association's roof is often the one on the form, so ask the board for its latest report.

Source: OIR-B1-1802 (Rev. 04/26), read October 5, 2026.

Related: Commercial roofing

What does a roof inspector look at on a Boca Raton house?

Florida's home inspector standards list the visible roofing materials, flashings, skylights, chimneys and penetrations, drainage, and attic ventilation and insulation; the inspector need not walk a roof that is too steep, wet or easily damaged. An insurance-driven roof inspection also covers what the forms ask: covering type, age, remaining life, permit history, the damage list and attic leaks, with photos. On a house from Boca Raton's 1983 median year, expect the permit date and the attic photos to carry the most weight.

Source: Fla. Admin. Code 61-30.805; Citizens 4-point form, read October 5, 2026.

Related: Roof inspections

Nearby

Roof inspections near Boca Raton

Sources for this page(44)
  1. 1.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Median year homes were built: 1983. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Mobile homes, share of housing units: 0.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Permit office: City of Boca Raton - Building Permits and Inspections. City of Boca Raton - Building Permits and Inspections. Read Oct 5, 2026.
  5. 5.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  8. 8.The Florida Senate, 2026 SB 808 (bill page and staff analysis). Read Oct 5, 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.
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  14. 14.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  15. 15.Florida Statutes, section 627.711 (2026). Read Oct 5, 2026.
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  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
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  19. 19.City of Boca Raton - Building Permits and Inspections, City of Boca Raton. Read Oct 5, 2026. Official municipal page fetched 2026-10-05 (HTTP 200).
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  21. 21.Citizens Property Insurance, Inspections (4-point on applications for properties more than 20 years old; roof age requirements), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  22. 22.Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), effective April 1, 2026, Florida Office of Insurance Regulation. Read Oct 5, 2026.
  23. 23.Fla. Stat. 627.711(2), who may sign the uniform mitigation verification form (2026 Florida Statutes), Florida Legislature. Read Oct 5, 2026.
  24. 24.4-Point Inspection Form, sample Insp4pt 03 25 (PDF), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  25. 25.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  26. 26.Wikipedia, 'Boca Raton, Florida' (revision 1378187581). Read Oct 5, 2026.
  27. 27.Official website: City of Boca Raton, Historic Preservation. Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places). Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  30. 30.Palm Beach County PZB - Building Division, Self-Issued Reroof Applications, Palm Beach County PZB - Building Division. Read Oct 5, 2026.
  31. 31.City official websites (listed per city). Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  33. 33.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  34. 34.NOAA Storm Prediction Center, preliminary storm reports 2022-09-27. Read Oct 5, 2026.
  35. 35.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian (AL092022), NOAA National Hurricane Center. Read Oct 5, 2026.
  36. 36.NWS Miami, 'Hurricane Milton' StoryMap (preliminary data); NHC Tropical Cyclone Report AL142024, NWS Miami. Read Oct 5, 2026.
  37. 37.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
  38. 38.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  39. 39.Senate staff analysis, SB 808 (2026), pp. 3-4 (history of the statewide code), The Florida Senate. Read Oct 5, 2026.
  40. 40.2023 Florida Building Code, Residential, 8th ed., Ch. 9 Roof Assemblies (R903.2.1, R905.1.1.1, R908.1.1, R908.3, R908.5, R908.7), International Code Council (Florida Building Commission). Read Oct 5, 2026.
  41. 41.Fla. Stat. 718.112(2)(g), Structural integrity reserve study (2026 Florida Statutes), The Florida Senate. Read Oct 5, 2026.
  42. 42.2023 Florida Building Code, Building, 8th ed., Ch. 1 (102.8, 105.1, 105.2.2, 107, 110.3), International Code Council (Florida Building Commission). Read Oct 5, 2026.
  43. 43.2023 Florida Building Code, Building, 8th ed., Ch. 15 (1504, 1507, 1511, 1512-1521, positive roof drainage), UpCodes viewer. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org
  44. 44.2023 Florida Building Code, Building, 8th ed., Ch. 2 Definitions (High-Velocity Hurricane Zone, wind-borne debris region), UpCodes viewer. Read Oct 5, 2026. unofficial transcription; verify on floridabuilding.org

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Roof inspections in Boca Raton

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