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Inspections ยท New Port Richey

Roof inspections in New Port Richey, FL

Mobile homes make up 14.5 percent of New Port Richey's housing units, and the median home was built in 1980. Many roofs here are likely older than the 15-year mark Florida insurers use. An inspection tells you how much life is left, in writing, before an insurer or a buyer asks.

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Updated October 2026

Drone view of an arched New Port Richey sign spanning a multi-lane road with cars and modern buildings.
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: City of New Port Richey Sign by Ryan Watern1, CC BY-SA 4.0, cropped

New Port Richey figures this page uses

Share of homes built before 1980
50.9%
Median year homes were built
1980
Mobile homes, share of housing units
14.5%
Residents 65 and older
29.9%

Roof age

How old roofs are here and what insurers ask

About 51 percent of housing units in the city were built before 1980, against 28 percent across Pasco County. That suggests many original roofs were replaced at least once, and some homes may be on a second or third covering.

Florida law sets the 15-year line. An insurer may not refuse or non-renew a policy solely because the roof is under 15 years old. For a roof 15 or older, the insurer must let you hire an authorized inspector first, at your expense. If that inspection shows 5 or more years of useful life left, age alone cannot be the reason to refuse.

The insurer has to accept your inspector, so check with it first. The statute's list includes a licensed home inspector, a building code inspector, a licensed roofing or general contractor, an engineer or an architect. Senate staff note this section does not apply to mobile home policies, so ask your agent how a mobile home is handled.

The inspection

What a roof inspection checks and writes down

The roof section of the 4-point form records the covering material, roof age, remaining useful life, date of the last roofing permit, and whether a replacement was full or partial. It also records overall condition. Citizens asks for a 4-point on properties more than 20 years old.

The inspector looks for cracking, curling, heavy granule loss, exposed felt, missing or loose tabs, soft decking and visible leaks in the attic or on ceilings. Photos of each roof slope go with the form.

Citizens requires documentation of at least five years of remaining life for shingle roofs older than 25 years. Tile, slate and metal roofs get a 50-year line. That figure is the number your inspection report has to support.

Timing

When to order an inspection in New Port Richey

  • Buying: 29.9 percent of residents are 65 or older, and many homes change hands. Get the roof read before closing.
  • Selling: a written report with remaining life answers the buyer's insurer before it asks.
  • Insurer letter: the 15-year rule lets you pay for your own inspection first.
  • After a storm: a 2018 tornado here blew shingles and felt off some homes, and Ian damage in Pasco was mostly shingles.

Permit history matters for the form. The City of New Port Richey Building Division handles permitting and inspections inside city limits, so ask it for your roof's permit record.

Under Fla. Stat. 489.147, a roofer may not offer anything of value for a roof inspection tied to a claim, and may not advise you on coverage. Ask your insurer or agent what your policy says.

Request a roof inspection

Questions

Roof inspections in New Port Richey: questions

Do mobile homes in New Port Richey follow the 15-year roof rule?

The 15-year roof rule is Fla. Stat. 627.7011(5), and it covers homeowner's policies. It bars an insurer from refusing or non-renewing a policy solely because the roof is under 15 years old. If your roof is 15 years old or more, you may have an authorized inspector examine it at your own cost. The insurer cannot refuse or non-renew coverage based only on age when that inspection shows 5 or more years of useful life remaining. Median year homes were built in New Port Richey is 1980, so many roofs here have likely reached that 15-year mark.

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

What does a roof inspection report need to show for my insurer?

It should show the covering, age, remaining useful life, permit history, overall condition and any damage, with photos of each slope. Citizens accepts the roof section of the 4-point form in place of its separate roof form when photos are included. The signer must be a contractor, building code inspector or Florida home inspector.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

How long is a wind mitigation inspection good for?

The current form, OIR-B1-1802 (Rev. 04/26), is valid for up to five years if nothing material changes on the structure and no errors are found on it. It records roof deck attachment, roof-to-wall connections and opening protection, which are attic items you cannot easily see yourself.

Source: Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), read Oct 4, 2026

Related: Roof inspections

Why does the age of homes in New Port Richey matter for a roof?

Older homes are more likely to be near an insurer's age limits. The median home here dates to 1980, and about 51 percent of units predate that year. By our arithmetic, that is roughly 23 percentage points above Pasco County's 28 percent. An inspection puts the roof's actual remaining life on paper.

Source: 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

Related: Roof inspections

Nearby

Roof inspections near New Port Richey

Sources for this page(39)
  1. 1.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.
  2. 2.Share of homes built before 1980: 50.9%. 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.
  3. 3.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.
  4. 4.Median year homes were built: 1980. 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.
  5. 5.Hurricane Hermine (2016). NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  6. 6.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.
  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.
  8. 8.Mobile homes, share of housing units: 14.5%. 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.
  9. 9.Residents 65 and older: 29.9%. 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.
  10. 10.NOAA NCEI Storm Events Database, event 790516 (Tornado, 2018-12-09, zone/county PASCO), bulk details file. Read Oct 5, 2026.
  11. 11.Permit office: City of New Port Richey Building Division (Development Department). City of New Port Richey Building Division (Development Department). Read Oct 10, 2026.
  12. 12.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report). 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 Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  21. 21.OIR form. Read Oct 4, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  24. 24.NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.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), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  26. 26.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), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  27. 27.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.City of New Port Richey Building Division (Development Department), City of New Port Richey Building Division. Read Oct 5, 2026.
  30. 30.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.City of New Port Richey, Flood Risk (read via WebFetch), City of New Port Richey. Read Oct 5, 2026.
  33. 33.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  34. 34.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  35. 35.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  36. 36.City of New Port Richey, Historic Landmarks (read via WebFetch), City of New Port Richey. Read Oct 5, 2026.
  37. 37.Pasco County, Coastal Management, Pasco County. Read Oct 5, 2026.
  38. 38.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087851, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  39. 39.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the New Port Richey 2020 Census internal point (28.2466, -82.7175), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in New Port Richey

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