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Inspections ยท Wellington

Roof inspections in Wellington, FL

Mobile homes make up only 0.3 percent of Wellington's housing units, so nearly every roof here falls under the Florida Building Code, not the HUD code. The median home dates to 1995. That suggests many original roofs are now past the 15-year mark that insurers watch.

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Updated October 2026

Outdoor amphitheater stage with a green lawn, palm trees and blue sky with clouds.
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: Amphitheater Wellington, Florida front by Dee.lite, CC BY-SA 4.0, cropped

Wellington figures this page uses

Median year homes were built
1995
Share of homes built before 1980
12.4%
Owner-occupied share of occupied homes
75.8%
Residents 65 and older
17.6%

Housing age

How old are Wellington roofs?

Wellington's median home was built in 1995, against 1986 for Palm Beach County. Only 12.4 percent of village homes predate 1980, compared with 33.5 percent countywide. That is a gap of 21.1 points. Most of the housing is newer than the county's, but a 1995 house has likely had at least one reroof by now.

Owners hold 75.8 percent of occupied homes, and 17.6 percent of residents are 65 or older. Another 5.3 percent of units are seasonal or occasional-use. Those homes sit empty for stretches, so a slow leak can run unseen. A scheduled inspection catches what an absent owner cannot.

Florida law

What the 15-year rule asks of your roof

Under Fla. Stat. 627.7011(5), an insurer cannot refuse or non-renew your policy solely because a roof under 15 years old is too old. After your roof turns 15 years old, you are entitled to bring in an authorized inspector, paid for by you, and the insurer has to accept the result. It may not drop you for age alone if that inspection finds 5 or more years of useful life left.

Authorized inspectors include licensed home inspectors, building code inspectors, roofing contractors, engineers and architects the insurer accepts. For homes older than 20 years, Citizens requires a 4-point inspection. Its roof section records the covering, age, remaining life, last permit and damage found. A home built in 1995 reaches that 20-year line in the Citizens rule as of this year.

Your insurer or agent can tell you exactly what your policy covers. We can tell you the roof's condition, not your coverage.

Inspection details

The scope of an inspection, and the right time to schedule one

  • Look for cracked or curling shingles, lost granules, and bare asphalt or felt showing through.
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Leaks visible in the attic and on ceilings

Good times to order one: before you buy or sell, when your insurer sends a roof-age letter, and after a storm. The October 9, 2024 tornado from Hurricane Milton caused EF-3 damage in Rustic Ranches and EF-1 to EF-2 damage in Lakefield West, Meadowwood and Binks Forest. Check the roof if you live near those areas.

A separate wind mitigation inspection records deck attachment, roof-to-wall connections and the sealed roof deck. It uses form OIR-B1-1802, valid up to five years if nothing material changes. Roof permits in Wellington go through the Village building department, so confirm permit history there.

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Questions

Roof inspections in Wellington: questions

Does my Wellington roof need an inspection at 15 years?

Florida law does not force an inspection at 15 years. It lets you have one. Under Fla. Stat. 627.7011(5), an insurer must allow an authorized inspector you hire, at your expense, before requiring replacement. Should the inspector report at least 5 years of useful life remaining, age by itself is not grounds for the insurer to decline or non-renew. With a median build year of 1995 in Wellington, many owners will reach this point soon.

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

Who counts as an authorized roof inspector in Florida?

The insurer must approve the inspector, who must also be one of several types. The list covers a licensed home inspector, a certified building code inspector, a professional engineer, an architect, and a licensed general, building, residential or roofing contractor. Insurers are free to accept additional types of inspectors as qualified. Locally, the median home was built in 1995, so many roofs here are old enough that an inspector's report may matter to your insurer. Confirm with your insurer or agent before you hire, because the insurer has the final say on acceptance.

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

Related: Roof inspections

What does Citizens want to see about an older roof?

Citizens asks for documentation of at least five years of remaining useful life on roofs older than 25 years if soft, such as shingle, or 50 years if hard, such as tile or metal. A 4-point inspection is also required once a property passes 20 years of age. Wellington's median home dates to 1995, so many homes are near those lines.

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

Do mobile homes in Wellington follow the same roof rules?

Mobile homes are only 0.3 percent of Wellington's housing units, and they follow the HUD code, not the Florida Building Code. Senate staff also note the 15-year roof rule does not apply to mobile home policies. If you own one, ask your insurer what it requires and confirm any permit rules with the Village building office.

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

Nearby

Roof inspections near Wellington

Sources for this page(42)
  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.Share of homes built before 1980: 12.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, 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.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.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  6. 6.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  7. 7.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.
  8. 8.Owner-occupied share of occupied homes: 75.8% (16,563 of 21,859). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Residents 65 and older: 17.6%. 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.Seasonal, recreational or occasional-use homes (share of all units): 5.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  11. 11.NWS Miami, 'Hurricane Milton' StoryMap (Oct 9, 2024 tornado outbreak; preliminary data). Read Oct 5, 2026.
  12. 12.Permit office: Village of Wellington - Building. Village of Wellington - Building. Read Oct 10, 2026.
  13. 13.Mobile homes, share of housing units: 0.3%. 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.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.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  22. 22.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.
  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 Wellington - Building, Village of Wellington. Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  27. 27.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, B01001, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  28. 28.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.Florida Statutes, section 713.135 (2026), Florida Legislature. 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 Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Wellington 2020 Census internal point (26.6490, -80.2672), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  37. 37.Wikipedia, 'Wellington, Florida' (revision 1359249503), Wikipedia. Read Oct 5, 2026.
  38. 38.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  39. 39.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  40. 40.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  41. 41.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  42. 42.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.

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Roof inspections in Wellington

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