Roof inspections in Shady Hills, FL

Under Florida Statute 627.7011(5), an insurer cannot refuse to write or renew a policy solely because your roof is younger than 15 years. At 15 years or more, you may have an authorized inspector check the roof at your own expense. When the report shows at least 5 years of useful life remaining, the roof's age by itself cannot justify a refusal or a non-renewal.

Citizens requires a 4-point inspection for homes and mobile homes more than 20 years old. Its roof section records the covering, roof age, remaining useful life, last permit date and any full or partial replacement. Citizens also wants proof of five years of remaining life for shingle roofs past 25 years.

Your insurer decides who counts as an authorized inspector, so ask before you book. The statute lists licensed home inspectors, building code inspectors, roofing contractors, engineers and architects.

The inspector looks for cracking, curling, heavy granule loss, exposed felt, missing or loose tabs, soft decking spots and visible leaks. Photos of each slope on your roof are included in the report. Wind mitigation inspections add attic items you cannot see from the ground, such as deck nailing and roof-to-wall connectors.

• Ahead of buying or selling a home, so the condition of the roof is on record.
• At the point your insurer mails you a letter about the age of your roof.
• After a storm. Pasco saw damage limited to shingles and downed trees in Hurricane Ian in 2022.
• Before the one-year claim notice deadline passes on any storm damage.

Roof work here goes through Pasco County Building Construction Services, because Shady Hills is unincorporated. Ask the county for your last roofing permit before the inspection. For a roofer's inspection, South Fork Roofing can check the roof itself. Questions about your policy or a claim go to your insurer or agent.