Roof inspections in Land O' Lakes, FL

The roof section of the 4-point form records the covering material, roof age, remaining useful life, the date of the last roofing permit, how much was replaced and overall condition. Clear photos of every slope can replace the separate Citizens roof form.

• Cracked, curled or cupped shingles
• Granules worn off, leaving asphalt or felt exposed
• Loose, missing or broken tabs or tiles
• Soft spots when the decking is pressed
• Stains or active leaks in the attic and on ceilings below

A separate wind mitigation inspection covers items you cannot see from the ground: deck nailing, roof-to-wall connectors and a sealed roof deck. The current form, OIR-B1-1802, is valid for up to five years if the structure has not materially changed. Any discount applies only to the hurricane-wind part of your policy.

Roof permits for a repair or replacement here come from Pasco County Building Construction Services, because Land O' Lakes is an unincorporated community. Confirm the permit history on your roof with that office before an inspector fills in the permit date.

Order one when you buy or sell, since a dated report gives both sides the same facts. Order one when an insurer's letter cites roof age. Order one after a storm. A brief EF1 tornado near Land O' Lakes in 2018 condemned two homes for roof damage, and Debby brought a 44 mph gust near here in 2024.

About 18.8 percent of residents are 65 or older, and many own homes they bought decades ago. Because 82.9 percent of occupied homes are owner-occupied, most of these roofs belong to the people living under them. Climbing up yourself is not worth the risk. Have a roofer do it.

Florida Statute 489.147 bars roofers from offering anything of value for an inspection or a claim, so be wary of any offer that sounds like a giveaway. A contractor also cannot advise you on coverage. For policy questions, call your insurer or agent. A new claim must reach your insurer within 1 year of the loss.