Skip to content

Inspections ยท Zephyrhills

Roof inspections in Zephyrhills, FL

Mobile homes make up 26.8 percent of Zephyrhills housing units, and the median home was built in 1990. That suggests many original roofs here are past 15 years old. Insurers ask about roof age, so an inspection often decides whether a policy renews.

Request a quote407-242-2840

Updated October 2026

Yellow two-storey wood house with white picket fence, front porch and metal roof under cloudy 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: Captain Howard B. Jeffries House, in Zephyrhills, Florida side view by Tupelo the typo fixer, CC BY-SA 4.0, cropped

Zephyrhills figures this page uses

Share of homes built before 1980
34%
Residents 65 and older
29.9%
Seasonal, recreational or occasional-use homes (share of all units)
9.3%
Mobile homes, share of housing units
26.8%

Florida insurer rules

What the 15-year rule and the 4-point form ask

Florida Statute 627.7011(5) sets the line at 15 years. A roof under that age cannot be the sole reason an insurer turns down your homeowner's policy. For an older roof, you may hire an authorized inspector at your own expense. If the report shows 5 or more years of useful life left, age alone cannot justify a refusal or non-renewal.

Senate staff note that this section does not apply to mobile home policies. Mobile homes are 27% of Zephyrhills housing units against 17% countywide, so many owners here sit outside that rule. Call your agent and ask what roof-age limit your own policy uses.

Citizens sets its own lines. Roofs older than 25 years (shingle) or 50 years (tile, slate, concrete or metal) need documentation of at least five years of remaining life. Citizens also requires a 4-point inspection for properties more than 20 years old, mobile homes included. About 34 percent of Zephyrhills homes were built before 1980, and likely many more fall past that mark.

Inspection scope

What a roof inspector checks on your home

On the 4-point form, the roof section asks for the material, the age, the years of life left, and the last roofing permit date. It also asks whether any replacement was full or partial, and notes overall condition. Photos of every roof slope go with it.

  • Cracked, cupped or curled shingles
  • Heavy granule loss, with bare asphalt or felt showing
  • Tabs or tiles that are missing, loose or cracked
  • Soft spots in the decking
  • Leaks visible in the attic or on ceilings inside

Wind mitigation uses a different form, OIR-B1-1802, revised in April 2026. It covers attic items you cannot see, such as deck nailing and roof-to-wall connectors. The form stays good for up to five years unless the structure changes.

Timing

When to order a roof inspection in Zephyrhills

Order one before you buy or sell, and when an insurer sends a roof-age letter. Zephyrhills is 29.9 percent residents 65 and older, and 9.3 percent of units are seasonal homes. Owners who are away for months should schedule a check after any named storm.

Hurricane Milton in 2024 brought a 59 mph gust near Zephyrhills, and Debby put 8.74 inches of rain nearby. Pasco County storms like Ian in 2022 mostly damaged shingles. If you have a claim, notice must reach your insurer within 1 year of the loss.

Request a roof inspection

Questions

Roof inspections in Zephyrhills: questions

What is the 15-year roof rule in Florida?

Under Florida law, an insurer may not refuse to issue or renew a homeowner's policy solely because the roof is less than 15 years old (Fla. Stat. 627.7011(5)(b)). Once your roof reaches 15 years of age, you can have an authorized inspector evaluate it, paid for by you, before the insurer is allowed to demand replacement. When that inspection finds at least 5 years of remaining useful life, the insurer cannot turn you down or decline to renew based only on how old the roof is. In Zephyrhills, 70.1% of occupied homes are owner-occupied, so many households hold their own roof policy and can use this inspection right.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

Who counts as an authorized roof inspector?

The insurer must approve the inspector. The list includes a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor or roofing contractor, a professional engineer, or an architect. An insurer may also recognize others as qualified. In Zephyrhills, where the median home dates to 1990, many owners will need this inspection. Ask your insurer which inspectors it accepts before you hire one, because the inspection is at your expense.

Source: Florida Statutes, section 627.7011 (2026), read Oct 5, 2026

Related: Roof inspections

Does Citizens ask for a roof inspection on older Zephyrhills homes?

Yes. Citizens requires a 4-point inspection for properties more than 20 years old, including mobile homes. The median Zephyrhills home dates to 1990, so many homes here are likely near or past that mark. Roofs older than 25 years (shingle) or 50 years (tile, metal and other hard roofs) need documentation of at least five years of remaining life.

Source: Citizens Property Insurance Corporation, read Oct 4, 2026

Related: Roof inspections

Is a roof inspection different for a mobile home in Zephyrhills?

The forms are the same. Citizens' 4-point inspection applies to mobile home applications for properties more than 20 years old, and the roof section records covering, age and remaining life. Senate staff note the 15-year rule in 627.7011(5) does not apply to mobile home policies. Confirm your policy's roof requirements with your insurer or agent.

Source: Citizens Property Insurance Corporation, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Zephyrhills

Sources for this page(44)
  1. 1.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.
  2. 2.U.S. Census Bureau, Vintage 2025 county population estimates (co-est2025-alldata.csv: ESTIMATESBASE2020, POPESTIMATE2025). Read Oct 5, 2026.
  3. 3.Share of homes built before 1980: 34%. 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.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: 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.
  6. 6.Seasonal, recreational or occasional-use homes (share of all units): 9.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004 and B25001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  7. 7.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report). Read Oct 5, 2026.
  8. 8.NWS Tampa Bay Area/Ruskin, County Impacts narratives (Post Tropical Cyclone Report). Read Oct 5, 2026.
  9. 9.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.
  10. 10.NOAA NCEI Storm Events Database, event 1058671 (Tropical Storm, 2022-09-28, zone/county COASTAL PASCO), bulk details file. Read Oct 5, 2026.
  11. 11.Hurricane Hermine (2016). NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  12. 12.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.
  13. 13.Mobile homes, share of housing units: 26.8%. 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.
  14. 14.Median year homes were built: 1990. 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.
  15. 15.Owner-occupied share of occupied homes: 70.1% (5,872 of 8,374 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.
  16. 16.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  19. 19.Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  22. 22.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  23. 23.OIR form. Read Oct 4, 2026.
  24. 24.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  25. 25.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  26. 26.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.
  27. 27.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.
  28. 28.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004 and B25001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.NHC TCR AL092016; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.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.
  31. 31.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  32. 32.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.
  33. 33.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.
  34. 34.City of Zephyrhills, Historic Preservation, City of Zephyrhills. Read Oct 5, 2026.
  35. 35.National Park Service NPGallery NRHP record (listing date from Wikipedia county NRHP list), National Park Service NPGallery NRHP record. Read Oct 5, 2026.
  36. 36.City of Zephyrhills Building Department (Building/Code Enforcement), City of Zephyrhills Building Department. Read Oct 5, 2026.
  37. 37.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  38. 38.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  39. 39.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  40. 40.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  41. 41.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  42. 42.City of New Port Richey, Flood Risk (read via WebFetch), City of New Port Richey. Read Oct 5, 2026.
  43. 43.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Zephyrhills 2020 Census internal point (28.2407, -82.1790), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  44. 44.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Zephyrhills 2020 Census internal point (28.2407, -82.1790), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Zephyrhills

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote