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Inspections ยท Pahokee

Roof inspections in Pahokee, FL

In Pahokee, 24.3 percent of housing units are mobile homes, so many inspections here start with a roof built under the HUD code, not the Florida Building Code. Another 55.7 percent of homes went up before 1980. A roof inspection tells you what the covering has left and what an insurer will ask about.

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Updated October 2026

Aerial view of a white water tower labeled Pahokee above a small town street grid and palm trees.
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: Pahokee Water Tower by Yanjipy, CC BY-SA 4.0, cropped

Pahokee figures this page uses

Median year homes were built
1970
Mobile homes, share of housing units
24.3%
Residents 65 and older
17.8%
Owner-occupied share of occupied homes
62.9%

Housing age

Why many Pahokee roofs need an inspection

The median Pahokee home was built in 1970, against 1986 for Palm Beach County. That suggests many original roofs here were replaced at least once, and some replacements may now be past 15 years. Age alone does not decide anything. Condition and remaining life do.

Mobile homes make up 24.3 percent of units here, compared with 2.8 percent countywide. Those roofs follow the HUD code, so do not assume the Florida Building Code dates apply. Senate staff also note the 15-year insurer rule does not apply to mobile home policies, so ask your agent which standard your insurer uses.

About 17.8 percent of residents are 65 or older, and 62.9 percent of occupied homes are owner-occupied. For many of these owners, one written inspection report answers a question the insurer or a buyer is going to ask anyway.

The 15-year rule

What insurer forms and the 15-year rule ask of a Pahokee roof

Florida's roof-age statute, 627.7011(5), bars an insurer from dropping or declining a homeowner's policy over roof age alone while the roof is under 15 years. Once the roof reaches 15, you may bring in an authorized inspector at your own cost. If that report shows 5 or more years of useful life, age alone cannot be the reason the insurer refuses or non-renews.

Citizens Property Insurance uses its own age lines: documentation of five years of remaining life for soft roofs such as shingle past 25 years, and hard roofs such as tile or metal past 50 years. Its 4-point inspection applies to properties more than 20 years old, which covers most Pahokee houses built before 1980.

The roof section of the 4-point form records the covering material, roof age, remaining useful life, last permit date, and any partial replacement. Questions about what your policy covers belong with your insurer or agent, who can answer them directly. A roofer cannot answer them.

Inspection scope

Inspection scope and timing for Pahokee owners

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

Good times to order one: before a purchase or sale, after an insurer's roof-age letter, or following a storm. Palm Beach County sits outside the High Velocity Hurricane Zone, so Pahokee roofs fall under the regular building code. Hurricane Matthew in 2016 brought tropical-storm-force winds to Palm Beach County, and Florida gives you 1 year from a loss to give your insurer notice of a new claim.

Confirm any roof permit questions with the City of Pahokee Building, Planning & Zoning office before work begins. An authorized inspector can be a licensed roofing contractor, home inspector, engineer or building code inspector, as long as your insurer accepts that person.

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Questions

Roof inspections in Pahokee: questions

What is the 15 year roof rule in Florida?

Under Fla. Stat. 627.7011(5), an insurer may not refuse or non-renew your homeowner's policy solely because a roof is under 15 years old. If the roof is 15 or older, you may have an authorized inspector check it at your own expense. The insurer may not refuse you on age alone if the report shows 5 or more years of useful life. Senate staff note it does not apply to mobile home policies, which matters in Pahokee, where 24.3 percent of units are mobile homes.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

Does my Pahokee home need a 4-point inspection?

Citizens requires a 4-point inspection for property owner, dwelling and mobile home applications on properties more than 20 years old. In Pahokee, 55.7 percent of homes were built before 1980, so many qualify by age. The roof section records material, age, remaining useful life, permit history and condition. Other insurers set their own rules, so ask your agent before you order anything.

Source: Citizens Property Insurance Corporation, read Oct 4, 2026

Related: Roof inspections

Who can inspect my roof for an insurer?

Your insurer must accept whoever performs the inspection. The list in the statute includes a licensed home inspector, a building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. Citizens' roof form must be signed by a contractor, building code inspector or licensed home inspector, with photos of each roof slope. With 976 owner-occupied homes in Pahokee, many owners will face this question, so check with your insurer before hiring anyone.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

How soon after a storm should I report roof damage?

Under Florida law, a new or reopened property claim is barred unless the insurer receives notice within 1 year of the date of loss, and a supplemental claim is barred after 18 months. Palm Beach County felt tropical-storm-force winds from Hurricane Matthew in 2016. Do not wait for an inspection to tell your insurer. Report first, then document the roof.

Source: Florida Statutes, section 627.70132 (2026), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Pahokee

Sources for this page(34)
  1. 1.Median year homes were built: 1970. 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 B25024, 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.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.
  8. 8.Mobile homes, share of housing units: 24.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Residents 65 and older: 17.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 62.9% (976 of 1,551). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Share of homes built before 1980: 55.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Permit office: City of Pahokee - Building, Planning & Zoning. City of Pahokee - Building, Planning & Zoning. Read Oct 10, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  18. 18.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.City of Pahokee - Building, Planning & Zoning, cityofpahokee.com. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Pahokee 2020 Census internal point (26.8202, -80.6620), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Pahokee 2020 Census internal point (26.8202, -80.6620), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.Wikipedia, 'Pahokee, Florida' (revision 1369943883), Wikipedia. Read Oct 5, 2026.
  31. 31.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  32. 32.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  33. 33.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  34. 34.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof inspections in Pahokee

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