Roof inspections in Juno Beach, FL

An inspector looks at the covering, its age, how much useful life remains, and the last roofing permit. The insurer's form also lists damage: cracking, curling, heavy granule loss, exposed asphalt or felt, loose or missing tabs, soft decking spots and visible leaks. The inspector checks the attic and ceilings for leaks too.

Wind mitigation is a separate form, OIR-B1-1802. It asks about roof deck attachment, roof-to-wall connections, a sealed roof deck, roof shape and opening protection. Once signed, that form can be reused for up to five years, as long as the structure has not changed. Insurers must offer credits for features shown to reduce wind loss, and your agent can tell you what yours offers.

Citizens Property Insurance asks for proof of at least five years of remaining life on soft roofs such as shingle older than 25 years. Tile or metal roofs are measured against a 50-year age instead. A property more than 20 years old also needs a 4-point inspection for a Citizens application, and that covers a good share of Juno Beach homes.

Buying, selling, or getting a roof-age letter from your insurer are all good reasons to order an inspection. With 25.4 percent of local units used seasonally, many owners are away when problems start. A pre-season inspection finds slow leaks before they reach the ceiling.

Palm Beach County felt Hurricane Irma in 2017, with 2 to 4 feet of surge along the coast. After any storm, have the roof checked. A reopened or new claim is barred unless notice reaches the insurer within 1 year of the loss, and a supplemental claim within 18 months.

A roofer who inspects must follow Fla. Stat. 489.147. No one may offer you anything of value for an inspection, and a roofer may not advise on what your policy covers. Ask your own insurer or agent what your policy says. For permit questions, contact the Town of Juno Beach Building office.