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Inspections ยท Lantana

Roof inspections in Lantana, FL

Only 0.8 percent of Lantana's housing units are mobile homes, so almost every roof here falls under the Florida Building Code and Florida's insurer roof rules. The median home was built in 1975, older than Palm Beach County's 1986. Many roofs here are likely past 15 years, and that age triggers specific insurer rules.

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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.

Lantana figures this page uses

Share of homes built before 1980
56.2%
Median year homes were built
1975
Mobile homes, share of housing units
0.8%

Housing age

Why age drives roof inspections in Lantana

Of Lantana's homes, 56.2 percent were built before 1980, against 33.5 percent across Palm Beach County. Many of those roofs are likely on a second or later covering, and the age of that covering is what insurers ask about. Their line is drawn at 15 years.

Under Fla. Stat. 627.7011(5), your insurer cannot decline to issue or renew a homeowner's policy solely because the roof is under 15 years old. Once the roof reaches 15 years, you are entitled to have an authorized inspector examine it, paid by you. A finding of 5 or more years of useful life blocks a refusal or non-renewal based only on age.

The insurer sets who qualifies. Florida's list includes a roofing contractor, a home inspector, a building code inspector, an engineer or an architect. Ask your insurer or agent which inspectors it accepts before you book anyone.

Inspection scope

What a Lantana roof inspection checks

The 4-point form's roof section records the covering material, roof age, remaining useful life and the date of the last roofing permit. It also asks whether the last job was a full or partial replacement, and the percentage replaced. Permit history is on the Town of Lantana building permits page, which helps document that date.

  • Cracking, cupping or curling of the covering
  • Granule loss, plus bare asphalt or exposed felt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Look for stains from water or leaks in your attic, along with marks on the ceilings beneath it

A wind mitigation inspection is separate. It looks at attic items you cannot see: roof deck attachment, roof-to-wall connections and any sealed roof deck. Form OIR-B1-1802 stays valid up to five years, provided the structure has no material changes. One visit can cover both inspections.

Timing

When to order an inspection

Order one when you buy or sell, or when an insurer letter questions your roof age. For any property over 20 years old, Citizens calls for a 4-point inspection. It also wants documentation of five years of remaining life for shingle roofs older than 25 years, or hard roofs such as tile or metal older than 50 years. With a median build year of 1975, many Lantana homes are old enough for these checks.

Order one after a storm, too. Hurricane Irma in 2017 put 2 to 4 feet of surge above ground along the Palm Beach County coast. An inspector can find lifted tabs or soft decking you cannot see from the ground. A new or reopened claim must reach your insurer within 1 year of the loss, so do not wait.

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Questions

Roof inspections in Lantana: questions

Do I need a roof inspection to renew my Lantana homeowner's policy?

Not always. Your insurer cannot decline to issue or renew a policy only on the grounds that the roof is younger than 15 years. Once a roof reaches 15 years or more, you can hire an authorized inspector to examine it, and the cost falls to you. When that inspection shows at least 5 years of useful life remaining, age alone cannot be the insurer's reason to refuse or non-renew. With 56.2 percent of Lantana homes built before 1980, many owners may face this question.

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

Who can do a roof inspection for my insurer?

The insurer must accept the inspector. Florida law lists a licensed home inspector, a building code inspector, a licensed roofing or general contractor, a professional engineer, an architect, or anyone else the insurer recognizes as qualified. A contractor, building code inspector or Florida-licensed home inspector has to sign the Citizens roof form, and it needs photos of every roof slope. Lantana's median build year is 1975, so many owners here may need this. Check your insurer's list first.

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 is the 25% roof rule in Florida?

No more than 25 percent of a roof section may be repaired, replaced or recovered in any 12-month period unless the whole roof section is replaced or recovered. There is an exception if the roof was built, repaired or replaced to the 2007 Florida Building Code or later. Lantana's median build year is 1975, so confirm the rule's effect on your roof with the Town of Lantana building office before work.

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

How long is a wind mitigation inspection good for in Lantana?

Form OIR-B1-1802, effective April 1, 2026, is valid for up to five years. This applies only while the structure undergoes no material changes and the form turns out to contain no inaccuracies. Palm Beach County is outside the High Velocity Hurricane Zone, so the form sorts a Lantana home by wind region using ASCE 7-22 design wind speed. Ask your insurer how it applies discounts.

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 Lantana

Sources for this page(36)
  1. 1.Share of homes built before 1980: 56.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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, B25034, B25024, 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.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  5. 5.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  6. 6.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.
  7. 7.Permit office: Town of Lantana - Building Permits. Town of Lantana - Building Permits. Read Oct 10, 2026.
  8. 8.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.
  9. 9.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  10. 10.Mobile homes, share of housing units: 0.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  15. 15.OIR form. Read Oct 4, 2026.
  16. 16.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  22. 22.2023 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).
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.Town of Lantana - Building Permits, Town of Lantana. 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 B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  30. 30.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Lantana 2020 Census internal point (26.5834, -80.0554), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  33. 33.Official website: Town of Lantana, Flood Zone Building Requirements, Official website. Read Oct 5, 2026.
  34. 34.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  35. 35.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  36. 36.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 (AREALAND/AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.

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Roof inspections in Lantana

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