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Inspections ยท North Redington Beach

Roof inspections in North Redington Beach, FL

Only 0.7 percent of housing units in North Redington Beach are mobile homes, so most roofs here fall under the Florida Building Code and the state's insurer rules. Another 83.2 percent of homes were built before 2000. Many original roofs are likely past 15 years, which is when inspections start to matter.

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Updated October 2026

Wide white sand beach under cloudy sky, with small distant sunbathers and calm water on the right.
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: North Redington Beach, FL by DANIEL ALFARO C., CC BY-SA 3.0, cropped

North Redington Beach figures this page uses

Median year homes were built
1978
Share of homes built before 1980
55.2%
Owner-occupied share of occupied homes
62%
Share of homes built before 2000
83.2%

Roof age

Why the 15-year roof rule matters here

The median home here was built in 1978, and 55.2 percent were built before 1980. That suggests many of these homes have been reroofed at least once, though the age of any one roof depends on its own permit history.

Under Florida Statute 627.7011(5), the cutoff is 15 years. A roof younger than 15 years cannot, by itself, be the reason an insurer declines to write or renew your policy. When the roof is older, you are entitled to have an authorized inspector examine it, and the cost falls on you.

Should that inspection find 5 or more years of useful life remaining, the roof's age alone cannot be the insurer's basis for refusing or non-renewing. Authorized inspectors include licensed roofing contractors, home inspectors, engineers and architects. The insurer must approve the person you hire.

Inspection scope

What a roof inspection checks

A roofer's inspection follows what the insurer forms ask. The 4-point form's roof section records covering material, roof age, remaining useful life, last permit date and overall condition. Photos of each slope are required.

  • Cracking, curling and cupping of shingles
  • Granule loss and exposed asphalt or felt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Leaks you can see in the attic and on your ceilings

Citizens wants the 4-point inspection on any property over 20 years old, which describes most of the homes here. Shingle roofs older than 25 years also need proof showing five years of remaining life. With 62 percent of homes owner-occupied, many of these decisions fall to the people living in the house.

Timing

When to order one in North Redington Beach

Schedule an inspection around a purchase or sale, once your insurer mails you a roof-age letter, or following a storm. Hurricane Helene in 2024 put 9 of the 12 Pinellas surge drowning victims on the barrier islands that include this town. Wind-driven rain and surge make a post-storm look worthwhile.

A storm claim has a deadline. A new or reopened claim must reach your insurer within 1 year of the date of loss. Ask your insurer or agent how that applies to your own policy.

If an inspection leads to repairs, remember the 25 percent rule. Repairing more than 25 percent of a roof section in 12 months can require replacing the whole section. The exception covers roofs built or replaced under the 2007 Florida Building Code or later. Permits here are issued by SAFEbuilt, which the town contracts for inspections and code enforcement.

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Questions

Roof inspections in North Redington Beach: questions

Does a roof 15 years old have to be replaced in Florida?

No. Under Fla. Stat. 627.7011(5)(c), an insurer must let you have an authorized inspector check a roof that is 15 years or older, at your expense. Once an inspection finds 5 or more years of useful life left, the roof's age alone is not grounds for the insurer to refuse or non-renew. Confirm what applies to your policy with your insurer or agent.

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

Related: Roof inspections

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

The form lists the covering material, the roof's age, its remaining useful life, the date of the most recent roofing permit, whether the replacement was full or partial, the overall condition and any damage. A set of photos covering every roof slope can take the place of the separate roof inspection form. Citizens requires a 4-point inspection for properties more than 20 years old, and 83.2 percent of homes in North Redington Beach were built before 2000.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

Who can inspect my roof for my insurer?

The insurer must approve the inspector. Authorized inspectors include a licensed home inspector, a building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer or an architect. A contractor, a building code inspector or a Florida-licensed home inspector has to sign the roof form that Citizens requires. In this area about 83.2 percent of homes were built before 2000, so many roofs are old enough that insurers look closely at the inspection report. Ask your insurer which names it accepts before you book.

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

Related: Roof inspections

Will a mobile home roof inspection work the same way?

Not exactly. Mobile homes are 0.7 percent of housing units in North Redington Beach. Senate staff note that the 15-year roof rule in 627.7011(5) does not apply to mobile home policies. Confirm the terms of your own policy 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 North Redington Beach

Sources for this page(31)
  1. 1.Median year homes were built: 1978. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 55.2%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Owner-occupied share of occupied homes: 62%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Share of homes built before 2000: 83.2%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, 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.City of St. Pete Beach; Town of Redington Shores; City of Largo (official). Read Oct 5, 2026.
  7. 7.Town of North Redington Beach, Service Providers (official). Read Oct 5, 2026.
  8. 8.Permit office: Town of North Redington Beach - permits, inspections and code enforcement contracted to SAFEbuilt. Town of North Redington Beach - permits, inspections and code enforcement contracted to SAFEbuilt. Read Oct 10, 2026.
  9. 9.Mobile homes, share of housing units: 0.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Wikipedia, "North Redington Beach, Florida" (secondary source). Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Insp4pt 03 25. Read Oct 4, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  14. 14.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.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.
  21. 21.Town of North Redington Beach - permits, inspections and code enforcement contracted to SAFEbuilt, townofnorthredingtonbeach.com. Read Oct 5, 2026.
  22. 22.Pinellas County, "Building Departments in Pinellas County" (official), Pinellas County. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  27. 27.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.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the North Redington Beach 2020 Census internal point (27.8197, -82.8232), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  29. 29.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the North Redington Beach 2020 Census internal point (27.8197, -82.8232), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  30. 30.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  31. 31.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof inspections in North Redington Beach

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