Roof inspections in Loxahatchee Groves, FL

For a Loxahatchee Groves home with a roof under 15 years old, Fla. Stat. 627.7011(5) bars an insurer from refusing a policy for roof age alone. Once a roof reaches 15 years, you may pay an authorized inspector to examine it before the insurer acts on age. If the report shows 5 or more years of useful life, age alone cannot end your coverage.

That statute does not apply to mobile home policies, according to Senate staff. Citizens asks for a 4-point inspection on homes more than 20 years old, including mobile homes. Its roof section records the covering, age, remaining life, last permit and any damage. If you own one of the mobile homes in town, ask your insurer which form it wants.

The statute lists home inspectors, roofing or general contractors, engineers and architects as authorized inspectors, plus anyone your insurer recognizes as qualified. Citizens adds its own roof-life test: a shingle roof past 25 years needs proof of five more years of life. Many Loxahatchee Groves homes built in 1987 or earlier may reach that line soon, by inference.

Order one before you buy or sell, since the roof's age and condition drive the price talk. Order one when a letter from your insurer mentions roof age. Order one after a storm. The Hurricane Milton tornado on October 9, 2024 left EF-3 damage at the southern end of its track in the Wellington and Loxahatchee Groves area.

• Shingle or tile covering condition, curling, cracking and granule loss
• Soft spots in decking and visible leaks in the attic
• Flashing, ridge and vent details
• Photos of each roof slope, which insurers often ask for

Repairs beyond a small patch may need a permit. Check the Town of Loxahatchee Groves permit requirements page, and note that after a storm the 12-month deadline for new claims runs from the date of loss. A roofer may not advise you on coverage under Fla. Stat. 489.147, so take policy questions to your insurer or agent.