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Inspections ยท Golf

Roof inspections in Golf, FL

In Golf, 67.2 percent of residents are 65 or older, so many roof decisions here are made by owners who have seen a few storm seasons and want a plain answer. A roof inspection gives you a written condition report. It tells you the covering, the likely remaining life and what needs fixing.

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Updated October 2026

A calm lake edged by green lawn and tall moss-draped oak trees under an overcast 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: Victoria Hills Golf Club-1861 by Gamweb, CC BY-SA 3.0, cropped

Golf figures this page uses

Median year homes were built
1975
Share of homes built before 1980
55.6%
Owner-occupied share of occupied homes
95.9%
Seasonal, recreational or occasional-use homes (share of all units)
22.2%

Housing age

How old are the roofs in Golf?

The median Golf home was built in 1975, and 55.6 percent of homes predate 1980. Palm Beach County's median is 1986. That suggests many original roofs here have been replaced at least once, and some replacements may now be near or past 15 years.

All of the village's housing units are single-family detached homes, and 95.9 percent of occupied homes are owner-occupied. You make the roof decisions yourself, with no association board or landlord in between. Another 22.2 percent of units are seasonal or occasional-use, so a roof can sit unchecked for months while you are away.

Florida rules

Insurer age rules and the 4-point roof section

Florida bars an insurer from turning away a homeowner's policy solely because the roof is under 15 years old. Once a roof reaches 15, the choice to bring in an authorized inspector is yours, and you pay for it. A result of 5 or more years of useful life left takes age off the table as the sole reason to refuse or non-renew. Many of Golf's 1975-era homes are likely to see this letter.

The roof section of the 4-point form records the covering material, roof age, remaining useful life, date of the last roofing permit, how much was replaced and overall condition. The damage list includes cracked or curled shingles, granule loss, soft decking and visible attic leaks. Citizens asks for a 4-point inspection on homes more than 20 years old, which describes much of Golf's housing.

Coverage under your own policy is for your insurer or agent to answer. An inspection report documents the roof. It does not decide coverage.

Timing

Timing an inspection order, and the items it covers

  • Buying or selling a Golf home, so the roof's age and condition are on paper.
  • Receiving an insurer letter that cites roof age, since the inspection is yours to arrange.
  • After a named storm. Palm Beach County felt winds from Hurricane Matthew in 2016.
  • Before the 4-point form, if the home is more than 20 years old.

The inspector checks the covering, age, remaining life, permit history, damage list and leaks. For wind mitigation, the form (OIR-B1-1802) also covers attic items you cannot see, such as deck attachment and roof-to-wall connections, and it stays valid up to five years if nothing material changes. Confirm roof permit rules with the Village of Golf building office.

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Questions

Roof inspections in Golf: questions

Does a 15-year-old roof in Golf mean my insurer can drop me?

No, not on roof age alone. Fla. Stat. 627.7011(5) bars an insurer from declining to issue or renew a homeowner's policy based only on a roof that is less than 15 years old. When your roof reaches 15 years or more, the insurer has to allow an authorized inspector to examine it, at your expense, before it can demand a replacement. If the inspection shows 5 years or more of useful life remaining, the insurer may not refuse or non-renew solely for roof age. With 95.9% of Golf's occupied homes owner-occupied, most households here would be the ones paying for that inspection.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who counts as an authorized inspector in Florida?

The inspector must have your insurer's acceptance and be one of several types: a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. Other inspectors may also be accepted by the insurer as qualified. Because all 189 Golf housing units are single-family homes, each owner can pick and hire an inspector directly. Confirm your insurer's acceptance before you hire anyone.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

What does the roof section of the 4-point form record?

The report lists the covering material, the roof's age, its remaining useful life, the date of the most recent roofing permit, whether the replacement was full or partial and what percentage was replaced, the overall condition, and any damage found. Photos of each roof slope are included. Citizens asks for this form on homes over 20 years old, and 55.6 percent of Golf homes were built before 1980.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

How long is a wind mitigation inspection good for?

Under the current form, OIR-B1-1802, validity runs up to five years, provided the structure has had no material changes and no inaccuracies turn up. It reports items like roof deck attachment and roof-to-wall connections. In Golf, where the median home was built in 1975, the form's building code era question still depends on the roof itself. The 2007 exception covers a roof only when it was built, repaired or replaced to meet the 2007 Florida Building Code or a later edition, and that 2007 code took effect March 1, 2009. Ask your insurer how it applies any credits.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Golf

Sources for this page(33)
  1. 1.Median year homes were built: 1975. 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.Share of homes built before 1980: 55.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  8. 8.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  9. 9.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.
  10. 10.Owner-occupied share of occupied homes: 95.9% (140 of 146). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Seasonal, recreational or occasional-use homes (share of all units): 22.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Permit office: Village of Golf - Building. Village of Golf - Building. Read Oct 10, 2026.
  13. 13.Residents 65 and older: 67.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.OIR form. Read Oct 4, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.Village of Golf - Building, Village of Golf. Read Oct 5, 2026.
  23. 23.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Golf 2020 Census internal point (26.5029, -80.1058), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.Wikipedia, 'Golf, Florida' (revision 1374049447), Wikipedia. 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.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Golf 2020 Census internal point (26.5029, -80.1058), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Golf

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