Roof inspections in Trinity, FL

With 85.7 percent of Trinity's occupied homes owner-occupied, most roof inspections here are ordered by the owner for a policy or a sale. On the 4-point form, the roof section lists the covering, age, remaining life, last permit, any partial replacement and condition. Citizens asks for that form once a property passes 20 years.

For shingle roofs past 25 years, Citizens wants written proof of five more years of life. Tile, slate and metal roofs get a 50-year threshold instead. Whether your own insurer uses either number on your policy is a question for your insurer or agent.

Wind mitigation is a different form, OIR-B1-1802. It records deck attachment, roof-to-wall connections and the sealed roof deck, and it holds for up to five years unless the structure changes. Much of that work happens in the attic, where owners rarely look.

• Look for missing or loose tabs, along with cracking, curling, granule loss, and any exposed asphalt or felt.
• Soft spots in decking and leaks in the attic or on ceilings
• Permit history, roof age and remaining useful life
• Photos of each roof slope for the insurer

Book one when you buy or sell, when an insurer asks about roof age, or after wind. Trinity sits in Pasco County, where Hurricane Ian in 2022 caused damage described as mostly minor and limited to shingles and downed trees. Brief tornadoes between Trinity and Odessa on October 12, 2023 bent a fence. Shingle damage can be small and still let water in.

Roof permits in Trinity go through Pasco County Building Construction Services, because Trinity is unincorporated. Ask them for your permit history before the inspection. If you plan repairs afterward, the 25 percent rule applies, and a roof built to the 2007 code or later has an exception.