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Inspections ยท Holiday

Roof inspections in Holiday, FL

Mobile homes make up 16.4 percent of housing units in Holiday, and 63.7 percent of all homes here were built before 1980. Many roofs in town are likely well past the 15-year mark insurers watch. An inspection tells you what condition the roof is in and how much life is left.

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Updated October 2026

Single-storey brick library building with glass entrance, flagpole, landscaped beds and a parking lot under 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: South Holiday Library Front 01 by Jimbocarnia, CC BY-SA 4.0, cropped

Holiday figures this page uses

Median year homes were built
1977
Mobile homes, share of housing units
16.4%
Share of homes built before 1980
63.7%
Residents 65 and older
21.4%

Florida law

What the 15-year rule means for a Holiday roof

Holiday's median home was built in 1977, so many of these roofs have probably been replaced at least once. Whatever the age, Fla. Stat. 627.7011(5) sets a line at 15 years. Below it, an insurer may not refuse to issue or renew your policy solely because of roof age.

At 15 years or older, the insurer must let you hire an authorized inspector at your own expense. A finding of 5 or more years of useful life left protects you: the insurer may not refuse or non-renew over age alone. Authorized inspectors include roofing contractors, licensed home inspectors, engineers and architects the insurer accepts.

This section does not apply to mobile home policies, according to Senate staff. With 16.4 percent of Holiday units being mobile homes, ask your insurer or agent which rules govern your policy.

Inspection scope

What a roof inspection checks

On the 4-point form, the roof section notes the material, the roof's age, its remaining life, the last permit date, and any partial replacement with the percentage done. Citizens requires that inspection for properties more than 20 years old, and 63.7 percent of Holiday homes are older than that.

  • Cracking, curling, cupping and heavy granule loss on shingles
  • Exposed felt or asphalt, and missing or loose tabs
  • Soft spots in the decking
  • Leaks seen in the attic or on interior ceilings

Citizens asks for documented proof of at least five years of remaining life on shingle roofs older than 25 years. Metal and tile count as hard roofs, with the line at 50 years.

Timing

When to order an inspection in Holiday

Order one before you buy or sell, or when your insurer sends a letter about roof age. Residents 65 and older are 21.4 percent of the town, and many are on policies that renew every year. A written inspection in hand answers the insurer's question faster.

Order one after a storm too. Hurricane Eta in 2020 put 5.05 inches of rain on Holiday, the highest total in Pasco County. Hurricane Ian's damage in Pasco was described as mostly minor and limited to shingles and downed trees, which an inspection can find.

If repairs are needed, Holiday is unincorporated, so permits come from Pasco County Building Construction Services. Under the 25 percent rule, repairing more than 25 percent of a roof section in 12 months can require replacing the whole section, unless the roof was built or redone to the 2007 Florida Building Code or later.

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Questions

Roof inspections in Holiday: questions

How old is too old for a roof in Holiday?

There is no single cutoff. Florida law marks 15 years: an insurer may not refuse to issue or renew solely over age for a younger roof, and for an older one it must let you get an inspection. Citizens uses 25 years for shingle and 50 years for hard roofs. With 63.7 percent of Holiday homes built before 1980, many roofs here have likely been replaced already, so check your own roof's date.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurer?

An authorized inspector that your insurer accepts. That can be a roofing or general contractor, a licensed home inspector, a building code inspector, an engineer or an architect. For a roof 15 years or older, you pay for the inspection. Your insurer or agent can confirm who it accepts. Holiday has 6,756 owner-occupied homes, so many owners face this choice.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

Does a Holiday mobile home need the same roof inspection?

Not necessarily. Mobile homes are 16.4 percent of Holiday housing units, and Senate staff note the 15-year roof rule does not apply to mobile home policies. Citizens still requires a 4-point inspection for mobile home applications on properties more than 20 years old. Ask your insurer which form it wants before you hire anyone.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

Do I need a permit for roof work after an inspection in Holiday?

Holiday is an unincorporated census-designated place, so roof permits go through Pasco County Building Construction Services. Confirm with that office whether your repair needs one. The 25 percent rule applies to repairs, and a roof built or replaced under the 2007 Florida Building Code or later may qualify for the exception.

Source: Pasco County Building Construction Services, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Holiday

Sources for this page(40)
  1. 1.Median year homes were built: 1977. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.Mobile homes, share of housing units: 16.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Share of homes built before 1980: 63.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  5. 5.Residents 65 and older: 21.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  6. 6.NOAA NCEI Storm Events Database, event 928693 (Storm Surge/Tide, 2020-11-11, zone/county COASTAL PASCO), bulk details file. Read Oct 5, 2026.
  7. 7.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
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  9. 9.Hurricane Hermine (2016). NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  10. 10.Hurricane Irma (2017). NOAA NCEI Storm Events Database, event 721945 (Tropical Storm, 2017-09-10, zone/county INLAND PASCO), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
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  14. 14.Owner-occupied share of occupied homes: 66.3% (6,756 of 10,195 occupied units). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  17. 17.Insp4pt 03 25. 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, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  20. 20.2023 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).
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  28. 28.Pasco County Building Construction Services, Pasco County Building Construction Services. Read Oct 5, 2026.
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  33. 33.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  34. 34.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
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  39. 39.City of New Port Richey, Flood Risk (read via WebFetch), City of New Port Richey. Read Oct 5, 2026.
  40. 40.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 28 (2020 Census count), U.S. Census Bureau. Read Oct 5, 2026.

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Roof inspections in Holiday

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