Skip to content

Inspections ยท Delray Beach

Roof inspections in Delray Beach, FL

The median Delray Beach resident is 51.3 years old, 28% of residents are 65 or older against 24.8% countywide, and the median home was built in 1983. For owners who have lived in one house a long time, the insurer's roof questions arrive at renewal: how old is the roof, how much life is left in it, and how is it held down.

Request a quote407-242-2840

Updated October 2026

Aerial view of a low-rise city with a white office tower, green park lawns and tree-lined streets.
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: Delray Beach, Florida by Quintin Soloviev, CC BY 4.0, cropped

Delray Beach figures this page uses

Median age
51.3yrs
Residents 65 and older
28%
Median year homes were built
1983
Share of homes built before 1980
42.8%

Local know-how

When a Delray Beach roof reaches insurance age

Here is the rule in order. Up to 15 years, roof age by itself cannot be the reason an insurer refuses or non-renews a homeowner's policy (Fla. Stat. 627.7011(5)(b)). At 15 years and beyond, the insurer must let you have an authorized inspector check the roof, at your expense, before it can require a new roof; if the inspector finds 5 or more years of useful life, age alone still cannot end the policy (627.7011(5)(c)). Policies issued or renewed on or after July 1, 2022 fall under it.

Citizens, the state-backed insurer, draws its lines at 20, 25 and 50. Any home over 20 years old needs a 4-point inspection on a Citizens application, and the median Delray Beach house, built in 1983, turns 43 this year. Shingle roofs past 25 and tile, metal or other hard roofs past 50 need paperwork showing 5 or more years of life left; an original tile roof from 1983 crosses that line in 2033.

Roof age runs from the last date the entire surface was built or replaced (627.7011(5)(d)), not from the house's age. The City of Delray Beach Building Division holds the permit record that proves it.

The forms

Reading the OIR-B1-1802 form for a 1983 Delray Beach house

Since April 1, 2026, insurers have used revision 04/26 of the state's wind mitigation form, OIR-B1-1802. Its roof questions cover the building code era, the wind region from ASCE 7-22, the covering and its product approval, deck attachment, the roof-to-wall connection, roof shape, and whether a secondary water barrier is present. A completed form stays valid up to five years if nothing material changes.

Two answers matter more on an older house. The code-era boxes start with the 2001 Florida Building Code, so a house from 1983, three years older than the county's median home, relies on the other items for credit. And a hip roof counts as one only if non-hip features make up no more than 10% of the roof perimeter.

Insurers must offer discounts for wind-loss features (Fla. Stat. 627.0629); the state's notice OIR-B1-1655 says they touch only the hurricane-wind portion of the premium and do not stack. An agent can price each item.

Request a roof inspection

Questions

Roof inspections in Delray Beach: questions

What does the roof part of a 4-point inspection cover on a Delray Beach home?

It records the covering material, the roof's age and remaining useful life, the date of the last roofing permit, whether a replacement was full or partial and how much was replaced, the overall condition, and a damage list: cracking, curling, granule loss, exposed asphalt or felt, missing or loose pieces, soft decking, hail marks and attic or ceiling leaks. Citizens asks for the 4-point on homes more than 20 years old, which includes the median Delray Beach house, built in 1983.

Source: Citizens 4-point inspection form and Inspections page, read October 5, 2026.

Related: Roof inspections

Is a roof certification the same as a roof inspection in Delray Beach?

Not in law. No Florida statute defines a roof certification; the phrase usually means an insurer's roof condition form, such as Citizens' Roof Inspection Form RCF-1, which was once titled Roof Condition Certification Form. RCF-1 must be signed by a general, residential, building or roofing contractor, a building code inspector or a Florida home inspector, with a photo of each slope. In a city where 42.8% of homes date from before 1980, ask your insurer which form it wants before booking anyone.

Source: Citizens RCF-1 form, read October 5, 2026.

Related: FAQ

Does Florida help pay for a wind inspection on a Delray Beach home?

There is a state program. Fla. Stat. 215.5586 created My Safe Florida Home, which offers wind-mitigation inspections and matching grants for site-built, owner-occupied single-family homes with a homestead exemption, with a pre-2008 build date among the grant conditions. Whether it was taking applications on October 5, 2026 could not be confirmed, so check its status yourself. Many Delray Beach houses fit the age test: the median home was built in 1983, and owners occupy 63.2% of homes.

Source: Fla. Stat. 215.5586; My Safe Florida Home program site, read October 5, 2026.

Related: FAQ

Nearby

Roof inspections near Delray Beach

Sources for this page(49)
  1. 1.Median age: 51.3. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01002, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Residents 65 and older: 28%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Residents 65 and older: 24.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  4. 4.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.
  5. 5.Permit office: City of Delray Beach - Building Division. City of Delray Beach - Building Division. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Share of homes built before 1980: 42.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 63.2% (18,928 of 29,933). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  10. 10.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  13. 13.OIR form. Read Oct 4, 2026.
  14. 14.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  15. 15.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  16. 16.Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01003, via Census Reporter API. Read Oct 5, 2026.
  20. 20.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.
  21. 21.City of Delray Beach - Building Division, City of Delray Beach. Read Oct 5, 2026. Official municipal page opened in a browser on 2026-10-05; it names the building/permit function.
  22. 22.Fla. Stat. 627.7011(5), roof age and homeowners policies (2026 Florida Statutes), Florida Legislature. Read Oct 5, 2026.
  23. 23.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.
  24. 24.Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), effective April 1, 2026, Florida Office of Insurance Regulation. Read Oct 5, 2026.
  25. 25.Fla. Stat. 627.0629(1), windstorm mitigation discounts (2026 Florida Statutes), Florida Legislature. Read Oct 5, 2026.
  26. 26.OIR-B1-1655, the state's notice of premium discounts for hurricane loss mitigation, Florida Office of Insurance Regulation. Read Oct 5, 2026.
  27. 27.4-Point Inspection Form, sample Insp4pt 03 25 (PDF), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  28. 28.Roof Inspection Form, RCF-1 (PDF), Citizens Property Insurance Corporation. Read Oct 5, 2026.
  29. 29.Florida Statutes, section 215.5586 (2026). Read Oct 4, 2026.
  30. 30.My Safe Florida Home program. Read Oct 5, 2026.
  31. 31.Wikipedia, 'Delray Beach, Florida' (revision 1376754588). Read Oct 5, 2026.
  32. 32.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  33. 33.Palm Beach County PZB - Building Division, Self-Issued Reroof Applications, Palm Beach County PZB - Building Division. Read Oct 5, 2026.
  34. 34.Official website: City of Delray Beach, Historic Preservation. Read Oct 5, 2026.
  35. 35.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), Florida Building Commission. Read Oct 5, 2026.
  36. 36.NOAA Storm Prediction Center, preliminary storm reports 2022-09-27. Read Oct 5, 2026.
  37. 37.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian (AL092022), NOAA National Hurricane Center. Read Oct 5, 2026.
  38. 38.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  39. 39.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  40. 40.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  41. 41.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.
  42. 42.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places). Read Oct 5, 2026.
  43. 43.Senate staff analysis, SB 808 (2026), pp. 3-4 (history of the statewide code), The Florida Senate. Read Oct 5, 2026.
  44. 44.2023 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.
  45. 45.Fla. Stat. 553.844, Windstorm loss mitigation; roofs (2026 Florida Statutes), Florida Legislature. Read Oct 5, 2026.
  46. 46.Fla. Stat. 718.112(2)(g), Structural integrity reserve study (2026 Florida Statutes), The Florida Senate. Read Oct 5, 2026.
  47. 47.2023 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
  48. 48.2023 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.
  49. 49.NRCA roofing guidelines and consumer resources (roof life about 20 years; fall and spring checks), National Roofing Contractors Association. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Delray Beach

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote