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Inspections ยท Jupiter

Roof inspections in Jupiter, FL

About 24.4 percent of Jupiter residents are 65 or older, and many of them own homes built when the median house here went up in 1989. A roof from that era is likely past 30 years. An inspection tells you how many years it has left, which is what an insurer wants in writing.

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Updated October 2026

Waves break against sculpted limestone rock formations with a natural arch along the Florida shoreline.
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: Jupiter FL Coral Cove Park beach06 by Ebyabe, CC BY-SA 4.0, cropped

Jupiter figures this page uses

Median year homes were built
1989
Share of homes built before 1980
15%
Seasonal, recreational or occasional-use homes (share of all units)
13.8%
Residents 65 and older
24.4%

The 15-year rule

What Florida law asks about a roof 15 years or older

Florida Statute 627.7011(5) sets the rule. A Jupiter insurer may not turn you away or drop you only because your roof is younger than 15 years. Once a roof reaches 15 years, the insurer must let you hire an authorized inspector at your own expense. If that inspector finds 5 or more years of useful life left, age alone cannot be the reason for refusal.

With a median build year of 1989, half of Jupiter's homes are older than that. That suggests many original roofs here have passed the 15-year mark more than once. Palm Beach County's median is 1986, so the pattern is similar across the county.

The statute lists who counts as an authorized inspector: a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, an engineer, or an architect. The insurer must approve the person. Ask your insurer or agent who it accepts before you book anyone. What your policy covers is a question for them, not for us.

Inspection checklist

What the inspector looks at on your Jupiter roof

An inspector for an insurer checks what the forms ask. The roof section of the 4-point form records the covering material, roof age, remaining useful life, the date of the last roofing permit, and whether a replacement was full or partial. Citizens requires a 4-point inspection for homes more than 20 years old.

  • Cracking, curling or cupping of the covering
  • Heavy granule loss and exposed asphalt or felt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Leaks in the attic or on interior ceilings

Citizens draws its own age lines. A shingle roof older than 25 years, or a tile, metal or concrete roof older than 50, needs documentation of at least five years of remaining life. Only 15 percent of Jupiter homes predate 1980, but many 1980s roofs may be near the 25-year line if they were never replaced.

Timing

When to order a roof inspection in Jupiter

Order one when you buy or sell, since the roof's remaining life often decides whether a buyer can get coverage. Order one when your insurer sends a roof-age letter. Order one after a storm. Palm Beach County has felt tropical-storm-force winds from Hurricane Matthew in 2016 and storm surge from Irma in 2017.

About 13.8 percent of Jupiter's housing units are held for seasonal or occasional use. If you are away for months, an inspection before you leave or after you return catches slow leaks that nobody noticed.

Request a roof inspection

Questions

Roof inspections in Jupiter: questions

Do I need a roof inspection to keep insurance in Jupiter?

Not always, but a roof 15 years or older can prompt your insurer to ask for one. Florida Statute 627.7011(5) lets you hire an authorized inspector before the insurer requires replacement. If the inspection shows 5 or more years of useful life, the insurer cannot refuse or non-renew solely for roof age. Half of Jupiter's homes were built in 1989 or earlier, so many owners here may get this letter. Ask your insurer what it requires.

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

What does the roof section of the 4-point inspection cover?

It records the covering material, roof age, remaining useful life, the date of the last roofing permit, and whether the roof was fully or partly replaced. It also lists the overall condition and damage such as cracking, missing tabs, soft decking and visible leaks. Citizens asks for a 4-point inspection on properties more than 20 years old, which describes most Jupiter homes given the 1989 median build year.

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 can legally inspect my roof for an insurer?

Florida Statute 627.7011(5)(a) names a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. The insurer must approve the person. Citizens' roof form must be signed by a contractor, a building code inspector or a Florida-licensed home inspector. In Jupiter, about 78.5 percent of occupied homes are owner-occupied, so most readers pay for this visit themselves. Confirm your insurer accepts the inspector first.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Is a wind mitigation inspection the same thing?

No. A wind mitigation inspection uses form OIR-B1-1802, effective April 1, 2026, and is valid for up to five years if nothing material changes. It records items such as roof deck attachment, roof-to-wall connections and roof shape, some in the attic. Your insurer or agent can tell you how discounts apply. Palm Beach County is outside the High Velocity Hurricane Zone, so the form's wind regions decide your category.

Source: Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Jupiter

Sources for this page(40)
  1. 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. 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.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.
  4. 4.Wikipedia, 'Jupiter, Florida' (revision 1375567556). Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, 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.Share of homes built before 1980: 15%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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.Seasonal, recreational or occasional-use homes (share of all units): 13.8%. 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.Residents 65 and older: 24.4%. 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: 78.5% (20,113 of 25,618). 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.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  16. 16.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.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  21. 21.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  22. 22.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  23. 23.OIR form. Read Oct 4, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  28. 28.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, B01001, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.Town of Jupiter - Building, Town of Jupiter. Read Oct 5, 2026.
  30. 30.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). 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. 33.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  34. 34.Official website: Town of Jupiter, Historic Resources, Official website. Read Oct 5, 2026.
  35. 35.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  36. 36.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  37. 37.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  38. 38.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Jupiter 2020 Census internal point (26.9205, -80.1194), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  39. 39.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  40. 40.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof inspections in Jupiter

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