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Inspections ยท Palm Springs

Roof inspections in Palm Springs, FL

In Palm Springs, 12.6 percent of residents are 65 or older, and many of them own homes built before 1980. That raises a practical question about roof age. Florida insurers and the 4-point form ask about it, and an inspection gives you a written answer.

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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.

Palm Springs figures this page uses

Median year homes were built
1978
Share of homes built before 1980
55.8%
Mobile homes, share of housing units
2.8%
Owner-occupied share of occupied homes
48.3%

Housing age

Roof age across a village built mostly before 1980

The median Palm Springs home was built in 1978, while the Palm Beach County median is 1986. Of local homes, 55.8 percent were built before 1980. That suggests many original roofs were replaced at least once, and some are likely past 15 years.

Only 30.1 percent of homes here are single-family detached, and 33.8 percent sit in buildings of 10 or more units. If you live in a larger building, the association may control the roof, so ask who ordered the last one.

Mobile homes are 2.8 percent of local housing. They follow a different construction standard, so a roofer should confirm what applies before inspecting one.

Florida insurer rules

What Florida's 15-year roof law and the 4-point form ask

Under Fla. Stat. 627.7011(5), an insurer cannot refuse to issue or renew your policy solely because the roof is under 15 years old. When a roof is older, you have the right to bring in an authorized inspector, paid for by you, and the insurer has to allow it.

An inspection that finds 5 or more years of useful life remaining means the insurer cannot decline or non-renew you on age alone. Authorized inspectors include roofing contractors, general contractors, engineers and licensed home inspectors. Confirm with your insurer who it accepts.

The roof section of the 4-point form records the covering, age, remaining useful life, last permit date, percent replaced, overall condition and a damage list. Photos of each slope are required. Ask your insurer or agent what your own Palm Springs policy covers.

Inspection timing

Knowing when to order an inspection and what the inspector looks at

An inspector looks for cracking, curling, heavy granule loss, exposed felt, loose or missing tabs and tiles, soft decking spots and leaks in the attic or on ceilings. For wind mitigation forms, the attic items matter too: deck nailing, roof-to-wall connectors and any sealed roof deck.

  • Buying a home built before 1980, as 55.8 percent here were.
  • Selling, so buyers and their insurers see the roof's condition.
  • Receiving an insurer letter about roof age.
  • After a storm, before the one-year claim notice window closes.

Roof work in the village goes through Planning, Zoning & Building. Ask them whether a permit is needed before any repair beyond routine upkeep.

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Questions

Roof inspections in Palm Springs: questions

How do I know if my Palm Springs roof is 15 years old?

Start with the last roofing permit date, which the village Planning, Zoning & Building office can help you look up. With a median build year of 1978 here, many original roofs are likely well past 15 years, so check records or ask the seller. A 4-point form also records roof age and the date of the last permit. If no records exist, an inspector can estimate age and remaining life.

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

Can my insurer drop me because the roof is old?

Not solely for age if you act. Under Florida law, once your roof reaches 15 years, the insurer has to permit an authorized inspector of your choosing to examine it, with you covering the cost. Age alone cannot be the reason an insurer refuses or non-renews you when the inspection finds 5 or more years of useful life left. Ask your insurer or agent which inspectors it accepts, and what it requires after that.

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

Related: Roof inspections

Does Citizens have its own roof age line?

Yes. 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 or metal. Any property more than 20 years old also needs a 4-point inspection. With 55.8 percent of Palm Springs homes built before 1980, many owners may meet that threshold. Confirm details with Citizens or your agent.

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

Related: Roof inspections

Do roofers have limits on insurance claim talk?

Yes. Under Fla. Stat. 489.147, a roofer may not offer anything of value for an inspection or a claim, and may not advise you on coverage unless licensed as a public adjuster. Contracts carry a notice to check coverage with your insurer before signing. Palm Beach County homeowners should take coverage questions to their insurer or agent.

Source: Florida Statutes, section 489.147 (2026), read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Palm Springs

Sources for this page(37)
  1. 1.Median year homes were built: 1978. 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.Share of homes built before 1980: 55.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.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.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, 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.Mobile homes, share of housing units: 2.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 48.3% (4,343 of 8,999). 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.Permit office: Village of Palm Springs - Planning, Zoning & Building. Village of Palm Springs - Planning, Zoning & Building. Read Oct 10, 2026.
  12. 12.Residents 65 and older: 12.6%. 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.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.2023 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).
  20. 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  21. 21.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  22. 22.Florida Statutes, section 489.147 (2026). 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.Village of Palm Springs - Planning, Zoning & Building, Village of Palm Springs. Read Oct 5, 2026.
  26. 26.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  27. 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  28. 28.Miami-Dade County RER notice, Miami. 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.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.Wikipedia, 'Palm Springs, Florida' (revision 1375550892), Wikipedia. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Palm Springs 2020 Census internal point (26.6358, -80.0984), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  36. 36.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  37. 37.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.

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Roof inspections in Palm Springs

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