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Inspections ยท Palm Beach Gardens

Roof inspections in Palm Beach Gardens, FL

Mobile homes make up 1.7 percent of housing units in Palm Beach Gardens, and they follow different roof rules than site-built houses. For everyone else, an inspection matters most when a roof reaches 15 years, because Florida law ties insurer decisions to roof age.

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Updated October 2026

White statue of a robed figure on a beige wall framed by palm trees under a blue sky.
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: Cathedral of Saint Ignatius Loyola - Palm Beach Gardens 06 by Farragutful, CC BY-SA 4.0, cropped

Palm Beach Gardens figures this page uses

Median year homes were built
1995
Share of homes built before 1980
17.8%
Residents 65 and older
32.5%
Seasonal, recreational or occasional-use homes (share of all units)
8.8%

Local housing age

How old are the roofs in Palm Beach Gardens?

Homes in town have a median build year of 1995, while Palm Beach County sits at 1986. That makes local housing newer than the county average. It suggests many original roofs are now near or past the 15-year line, and a replaced roof may be younger than that.

Only 17.8 percent of homes here predate 1980, so very old roofs are the smaller group. Older owners are common, though. Residents 65 and older are 32.5 percent of the town, and 8.8 percent of units are seasonal or occasional-use homes. A seasonal home can sit empty during a leak, so an inspector's look at the ceilings and attic helps.

15-year rule

What Florida law asks about roofs 15 years or older

Under Fla. Stat. 627.7011(5), a roof under 15 years old cannot be the only reason an insurer declines to issue or renew your policy. For an older roof, the insurer must let you have an authorized inspector check it at your own expense. It may not drop you for age alone if that inspection shows 5 or more years of useful life left.

An authorized inspector must be accepted by your insurer and can be a roofing contractor, a licensed home inspector, an engineer or an architect. Confirm with your insurer that the person you hire qualifies before you pay. Your agent can tell you what your own policy requires.

The roof section of the 4-point form records the covering, roof age, remaining useful life, last permit date and any damage. If your insurer asks for a 4-point report, the roof part is what a roofer fills in. Roofs need photos of each slope.

Timing

When to order a roof inspection here

Good moments are a purchase or sale, a letter from your insurer about roof age, and the days after a storm. The EF-2 tornado of April 29, 2023 began just east of I-95. Hurricane Milton's EF-3 tornado on October 9, 2024 collapsed part of a supermarket roof in Avenir and heavily damaged roofs on homes there.

  • Covering condition: cracking, curling, granule loss, loose or missing tabs or tiles
  • Soft spots in the decking
  • Leaks showing in the attic or on ceilings
  • Permit history and repair or replacement percentage

Claim deadlines are short: one year from the date of loss for a new or reopened claim, and 18 months for a supplemental one. Florida law also bars roofers from offering you anything of value for an inspection, so ask your insurer, not a contractor, about coverage.

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Questions

Roof inspections in Palm Beach Gardens: questions

Do mobile homes in Palm Beach Gardens follow the same roof inspection rules?

Mobile homes are 1.7 percent of housing units in Palm Beach Gardens, and they follow the HUD code, not the Florida Building Code. Senate staff say the 15-year roof statute leaves mobile home policies out. Citizens also requires a 4-point inspection for mobile home applications on properties more than 20 years old. Ask your insurer which roof documentation it wants.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

My insurer says my roof is over 15 years old. What can I do?

You may hire an authorized inspector, at your expense, before the insurer requires replacement. If the report shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew solely for roof age. About 32.5 percent of Palm Beach Gardens residents are 65 or older, and many are asked this. Your insurer or agent decides what your policy requires.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Does Citizens have its own roof age limit?

Citizens asks for documentation of at least five years of remaining useful life for roofs older than 25 years if soft, such as shingle, or 50 years if hard, such as tile, slate, concrete or metal. A signed Roof Inspection Form with photos of each slope can supply it. Palm Beach County's median home was built in 1986, so many county roofs may be near these lines.

Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026

Related: Roof inspections

Where do I check roof permit history in Palm Beach Gardens?

Start with the Building Division of the City of Palm Beach Gardens. The 4-point form asks for the date of your last roofing permit, so having it ready helps the inspector. Palm Beach County is outside the High Velocity Hurricane Zone, so county-standard Florida Building Code rules apply to permits here.

Source: City of Palm Beach Gardens - Building Division, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Palm Beach Gardens

Sources for this page(35)
  1. 1.Median year homes were built: 1995. 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.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  4. 4.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  5. 5.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.
  6. 6.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.
  7. 7.Share of homes built before 1980: 17.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Residents 65 and older: 32.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Seasonal, recreational or occasional-use homes (share of all units): 8.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Permit office: City of Palm Beach Gardens - Building Division. City of Palm Beach Gardens - Building Division. Read Oct 10, 2026.
  11. 11.NWS Miami, 'Palm Beach Gardens EF-2 Tornado - April 29th, 2023' StoryMap. Read Oct 5, 2026.
  12. 12.NWS Miami, 'Hurricane Milton' StoryMap (Oct 9, 2024 tornado outbreak; preliminary data). Read Oct 5, 2026.
  13. 13.Mobile homes, share of housing units: 1.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 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 4, 2026.
  22. 22.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  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.City of Palm Beach Gardens - Building Division, City of Palm Beach Gardens. Read Oct 5, 2026.
  26. 26.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. 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.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  32. 32.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  33. 33.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Palm Beach Gardens 2020 Census internal point (26.8488, -80.1671), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Palm Beach Gardens

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