Inspections ยท Jupiter Inlet Colony
Roof inspections in Jupiter Inlet Colony, FL
About 39.3 percent of Jupiter Inlet Colony residents are 65 or older, and 45.4 percent of the town's homes were built before 1980. Many of those houses have had at least one reroof, and some roofs are likely past 15 years. That age line is where insurers start asking for a roof inspection.
Updated October 2026
Jupiter Inlet Colony figures this page uses
- Median year homes were built
- 1989
- Residents 65 and older
- 39.3%
- Share of homes built before 1980
- 45.4%
Age rules
Roof age and the 15-year insurance line
The town's median home was built in 1989, close to the Palm Beach County median of 1986. That tells you the houses are not all old, but it does not tell you how old any one roof is. Only the permit history for your address can do that.
Florida law lets an insurer ask for more once a roof reaches 15 years. For a roof that age, the insurer must let you have an authorized inspector check it at your own expense. Should that inspection show at least 5 years of useful life remaining, the insurer cannot turn you down or decline to renew on the basis of age alone. Policies issued or renewed on or after July 1, 2022 fall under this rule.
Citizens sets its own lines. Documentation showing at least five years of remaining life is required once a shingle roof passes 25 years, or a tile or metal roof passes 50. Citizens also wants a 4-point inspection on properties more than 20 years old.
Inspection scope
What the inspector actually checks
On the 4-point form, the roof section records the covering material, roof age, remaining useful life, last permit date and whether the replacement was full or partial. Your inspector also walks the slopes for cracking, curling, granule loss, exposed felt, soft decking and attic leaks. Photos of each slope go with the form.
A separate wind mitigation form, OIR-B1-1802, covers the parts you cannot see from the ground: deck attachment, roof-to-wall connections and any sealed roof deck. It stays valid for up to five years if nothing about the structure changes. With 97.5 percent of Jupiter Inlet Colony housing in single-family detached homes, most owners here deal with these forms house by house.
Who signs matters. For the Citizens roof form, a general, residential, building or roofing contractor, a building code inspector or a Florida-licensed home inspector may sign. Your insurer must approve the inspector for the 15-year rule.
Timing
When to order an inspection in Jupiter Inlet Colony
Order one when you buy or sell, since insurers may ask for roof age and condition at binding. Order one when your insurer sends a letter citing roof age. Order one after a named storm. Palm Beach County saw tropical-storm-force winds from Hurricane Matthew in 2016 and 2 to 4 feet of surge from Irma in 2017 along the coast.
If a repair is on the table, ask about the 25 percent rule at the same visit. A roof built or replaced under the 2007 Florida Building Code or later gets a narrower exception than an older one. Confirm permit requirements with the Town of Jupiter Inlet Colony Building Department.
Be careful with door-knockers offering a free look after a storm. Fla. Stat. 489.147 bars a roofer from giving anything of value in exchange for an inspection, and from advising you about your coverage. Your insurer or agent is the right contact for anything about the terms of your policy.
Questions
Roof inspections in Jupiter Inlet Colony: questions
How old does a roof need to be before my insurer asks about it in Jupiter Inlet Colony?
The Florida line is 15 years. A roof under 15 years old is not, by itself, a permitted reason for an insurer to refuse to issue or renew a policy. For an older roof, you may have an authorized inspector check it at your expense. With 45.4 percent of Jupiter Inlet Colony homes built before 1980, many owners here will meet this line. Your insurer sets its own details, so ask it directly.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026
What does the roof section of the 4-point inspection record?
It records the covering material, roof age, remaining useful life, date of the last roofing permit, whether the roof was fully or partly replaced and the percentage, overall condition, and any damage. Photos of every slope let it stand in for the separate roof inspection form. Citizens asks for a 4-point on properties more than 20 years old, and the town median build year is 1989.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026
Does a wind mitigation inspection expire?
The current form, OIR-B1-1802 (Rev. 04/26), is valid for up to five years if no material changes are made to the structure and no errors are found on the form. It records roof covering, deck attachment, roof-to-wall connection and opening protection. Discounts depend on your insurer, so ask the insurer or your agent what applies to a Jupiter Inlet Colony home.
Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026
How long do I have to report roof damage after a storm?
Unless the insurer receives notice within 1 year of the date of loss, a new or reopened property claim is barred. A supplemental claim has 18 months. Palm Beach County coastal areas had 2 to 4 feet of surge from Irma in 2017, so check your own roof and report promptly. Ask your insurer about your policy's terms.
Source: NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), read Oct 5, 2026
Sources for this page(35)
- 1.Median year homes were built: 1989. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 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.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 5.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
- 6.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
- 7.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.
- 8.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.
- 9.Wikipedia, 'Jupiter Inlet Colony, Florida' (revision 1374447611). Read Oct 5, 2026.
- 10.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
- 11.Permit office: Town of Jupiter Inlet Colony - Building Department. Town of Jupiter Inlet Colony - Building Department. Read Oct 10, 2026.
- 12.Residents 65 and older: 39.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
- 13.Share of homes built before 1980: 45.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
- 17.Insp4pt 03 25. Read Oct 4, 2026.
- 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
- 19.OIR form. Read Oct 4, 2026.
- 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
- 21.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
- 22.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
- 23.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
- 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
- 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
- 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
- 27.Town of Jupiter Inlet Colony - Building Department, Town of Jupiter Inlet Colony. Read Oct 5, 2026.
- 28.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
- 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 30.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
- 31.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
- 32.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Jupiter Inlet Colony 2020 Census internal point (26.9480, -80.0752), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Jupiter Inlet Colony 2020 Census internal point (26.9480, -80.0752), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 34.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
- 35.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
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Roof inspections in Jupiter Inlet Colony
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