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Inspections ยท Haverhill

Roof inspections in Haverhill, FL

Residents 65 and older make up 11.9 percent of Haverhill, and 77.5 percent of occupied homes are owner-occupied, so most roof decisions here belong to the person who lives under it. A roof inspection tells you its age, its remaining life and what an insurer will ask next.

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Updated October 2026

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.

Haverhill figures this page uses

Median year homes were built
1984
Share of homes built before 1980
43.4%
Mobile homes, share of housing units
0%
Residents 65 and older
11.9%

Housing age

What is the likely age of roofs in Haverhill

Haverhill's median home was built in 1984, close to the county's 1986. Homes built before 1980 make up 43.4 percent of the housing here, against 33.5 percent across Palm Beach County. That suggests many original roofs are well past 15 years, or have been replaced at least once.

Almost all of it is single-family: 86.7 percent of units are detached houses, and none are mobile homes. That means a roof inspection here is nearly always a look at a shingle, tile or metal roof on a house with its own attic.

Insurer rules

What the 15-year rule and the 4-point form ask about your roof

Florida Statute 627.7011(5) bars an insurer from declining to issue or renew a policy only because the roof is under 15 years old. After a roof hits the 15-year mark, the insurer has to allow you to bring in an authorized inspector, paid for by you. Should the inspector find at least 5 years of useful life remaining, the roof's age by itself cannot justify a refusal or non-renewal.

The roof section of the 4-point form records the covering material, roof age, remaining useful life, last permit date, percent replaced and overall condition. Citizens asks for a 4-point inspection on homes more than 20 years old. Proof of five years of remaining life is also something it asks for when a shingle roof is more than 25 years old.

For details on what your own policy covers, ask your insurer or agent. An inspector reports the roof's condition, not your coverage.

Before you call

Inspection scope, and the right time to schedule one

An inspector looks for cracking, curling, heavy granule loss, exposed felt, missing or loose tabs or tiles, soft decking and leaks in the attic or on ceilings. The wind mitigation form adds attic items you cannot see from the ground, such as deck nailing and roof-to-wall connectors.

  • Buying or selling a Haverhill home, so the roof's age and remaining life are on paper.
  • Getting an insurer letter about roof age, which can trigger the 15-year inspection right.
  • After a storm. Hurricane Irma in 2017 put 2 to 4 feet of surge along the coast of Palm Beach County, and wind effects reach inland roofs too.

If the inspection leads to repair work, the town's Building Department handles roof permits. Confirm what that office currently requires before any work starts.

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Questions

Roof inspections in Haverhill: questions

Does Florida law let me get my own roof inspected if my insurer questions its age?

Yes, once the roof is 15 years or older. Under Fla. Stat. 627.7011(5)(c), the insurer must allow you to have an authorized inspector check it, at your expense, before requiring replacement. If the inspector finds 5 or more years of useful life remaining, the insurer may not refuse or non-renew solely for age. With 43.4 percent of Haverhill homes built before 1980, many owners may meet this rule.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

What does the roof section of a 4-point inspection record?

It records the roof covering material, roof age, remaining useful life, date of the last roofing permit, whether the roof was fully or partly replaced and by what percent, and overall condition. Photos of each roof slope can let it stand in for Citizens' separate roof inspection form. Citizens requires the 4-point form on properties more than 20 years old, and Haverhill's median home dates to 1984.

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 insurer must approve the inspector, who can be a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, an architect, or anyone else the insurer recognizes as qualified. The median home in Haverhill was built in 1984, so many roofs here are old enough to draw closer scrutiny from an insurer. Ask your insurer or agent whom they accept before you hire anyone for your Haverhill home.

Source: Town of Haverhill - Building Department, read Oct 5, 2026

Related: Roof inspections

How long is a wind mitigation inspection valid in Haverhill?

Form OIR-B1-1802 (Rev. 04/26), the current version, stays valid for up to five years provided the structure has had no material changes and the form contains no inaccuracies. It records items such as roof deck attachment, roof-to-wall connection, roof shape and opening protection. Palm Beach County is outside the High Velocity Hurricane Zone, so the design wind region comes from the ASCE 7-22 wind speed for your address.

Source: 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

Related: Roof inspections

Nearby

Roof inspections near Haverhill

Sources for this page(31)
  1. 1.Median year homes were built: 1984. 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.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.Share of homes built before 1980: 43.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  7. 7.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  8. 8.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.
  9. 9.Mobile homes, share of housing units: 0%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  11. 11.Permit office: Town of Haverhill - Building Department. Town of Haverhill - Building Department. Read Oct 10, 2026.
  12. 12.Residents 65 and older: 11.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Owner-occupied share of occupied homes: 77.5% (672 of 867). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, 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 Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.Town of Haverhill - Building Department, Town of Haverhill. Read Oct 5, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Haverhill 2020 Census internal point (26.6910, -80.1217), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Haverhill 2020 Census internal point (26.6910, -80.1217), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.Wikipedia, 'Haverhill, Florida' (revision 1377377577), 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.

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Roof inspections in Haverhill

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