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Inspections ยท Madeira Beach

Roof inspections in Madeira Beach, FL

Mobile homes are only 1.1 percent of Madeira Beach housing units, so most roofs here sit on site-built houses and condos. Many of those buildings are old. The median home dates to 1974, which means an inspection is often the step that settles questions about an aging roof.

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Updated October 2026

Bright red and pink clouds over a waterfront village with a tower, bridge, and moored boats.
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: Red sky over the boardwalk at Madeira Beach, florida. Quand le ciel rougit la by Richard Mc Neil, CC BY 3.0, cropped

Madeira Beach figures this page uses

Share of homes built before 2000
83.1%
Share of homes built before 1980
61.2%
Owner-occupied share of occupied homes
66.1%
Mobile homes, share of housing units
1.1%

Housing age

Housing age on the beach and what it says about roofs

By the Census figures, 83.1 percent of homes here were built before 2000, and 61.2 percent before 1980. That suggests many original roofs are long gone and replaced at least once. Still, a house that is 50 years old can carry a roof of any age, so the roof itself needs checking.

Many beach condos and hotels went up in the 1970s and 1980s, after dredging in the 1950s and 1960s added land. Owners make up 66.1 percent of occupied homes, so most of the people deciding on a roof also pay for it.

Insurer rules

Roof questions insurers and the state put to Madeira Beach owners

Florida's 15-year roof rule works in two steps. A roof under 15 years old cannot be the sole reason an insurer refuses to write or renew your policy. Once the roof reaches 15, the insurer must let you hire an authorized inspector, paid by you, before it can act on age.

If that inspector finds 5 or more years of useful life remaining, the roof's age alone is not enough to refuse or drop you. With 83.1 percent of Madeira Beach homes built before 2000, plenty of owners here may see an age letter.

Citizens asks for documented remaining life on soft roofs such as shingle past 25 years, and on hard roofs such as tile or metal past 50 years. Its 4-point form, required for properties over 20 years old, has a roof section. It records covering material, roof age, remaining useful life, last permit date and any damage.

For the specifics of what your own policy requires, ask your agent or your insurer. South Fork Roofing can explain what an inspection records, but we cannot tell you what a policy covers.

Inspection basics

Knowing the right time to order an inspection, and what the inspector examines once on site

An inspector looks for cracked or curling shingles, granule loss, exposed felt, loose or missing tabs and tiles, soft decking and leaks in the attic or on ceilings. A wind mitigation inspection adds attic items you cannot see from the ground, including deck nailing and roof-to-wall connectors, each photographed.

Order one when you buy or sell, when an insurer sends an age letter, or after a storm. Helene put 7.26 feet of water above MHHW at Madeira Beach in 2024, and Eta brought up to a couple of feet of surge in 2020. Wind mitigation forms stay valid for up to five years unless the structure changes.

If repairs follow, Madeira Beach has its own building department. Confirm permit requirements with that office before work starts.

Request a roof inspection

Questions

Roof inspections in Madeira Beach: questions

Does a 15-year-old roof mean my Madeira Beach insurer can drop me?

Not automatically. Under Fla. Stat. 627.7011(5), once a roof reaches 15 years, the insurer must let you have an authorized inspector check it at your expense. The insurer may not refuse coverage or non-renew based only on roof age when the inspection shows 5 or more years of useful life remaining. With a median home build year of 1974 in Madeira Beach, many owners will meet this rule. Ask your agent which inspectors the insurer accepts.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Who can sign a roof inspection for my insurer?

Whoever carries out the inspection, your insurer has to accept the result. The state list includes home inspectors, building code inspectors, general, building or residential contractors, roofing contractors, professional engineers and architects. A contractor, building code inspector or Florida-licensed home inspector must sign Citizens' roof form, and photos of every roof slope go with it. In Madeira Beach, 61.2 percent of homes were built before 1980, so many owners will need this signature. Confirm the choice with your insurer first.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

What does the roof section of the 4-point form record?

It records the covering material, roof age, remaining useful life, date of the last roofing permit, whether the replacement was full or partial, overall condition and any damage. For properties more than 20 years old, Citizens asks for the 4-point inspection. In Madeira Beach, 61.2 percent of homes were built before 1980, so many owners will see this form.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Do mobile homes in Madeira Beach follow the same inspection rule?

Not under the 15-year statute. Mobile homes are only 1.1 percent of housing units here. According to Senate staff, Fla. Stat. 627.7011(5) leaves mobile home policies out of its scope. Where a mobile home property is more than 20 years old, Citizens does ask for a 4-point inspection with the application. Check your own policy terms with your insurer or agent.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Madeira Beach

Sources for this page(37)
  1. 1.Share of homes built before 2000: 83.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 61.2%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Wikipedia, "Madeira Beach, Florida" (secondary source). Read Oct 5, 2026.
  4. 4.Owner-occupied share of occupied homes: 66.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  5. 5.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  6. 6.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  7. 7.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  8. 8.Permit office: City of Madeira Beach - Building Department. City of Madeira Beach - Building Department. Read Oct 10, 2026.
  9. 9.Pinellas County, "Building Departments in Pinellas County" (official). Read Oct 5, 2026.
  10. 10.Mobile homes, share of housing units: 1.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Median year homes were built: 1974. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  17. 17.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.OIR form. Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.City of Madeira Beach - Building Department, City of Madeira Beach. Read Oct 5, 2026.
  23. 23.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  25. 25.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  27. 27.City of St. Pete Beach; Town of Redington Shores; City of Largo (official), City of St. Pete Beach. Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  29. 29.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  30. 30.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  31. 31.Wikipedia, "Pinellas County, Florida" (secondary), Wikipedia. Read Oct 5, 2026.
  32. 32.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  33. 33.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00087886 ST PETERSBURG and USW00012873 ST PETERSBURG INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  35. 35.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach), City of St. Petersburg. Read Oct 5, 2026.
  36. 36.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Madeira Beach 2020 Census internal point (27.7956, -82.7916), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  37. 37.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Madeira Beach 2020 Census internal point (27.7956, -82.7916), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Madeira Beach

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