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Inspections ยท Pinellas Park

Roof inspections in Pinellas Park, FL

Mobile homes make up 15.3 percent of housing units in Pinellas Park, and they follow different roof rules than site-built houses. Most of the rest of the housing is old too: 84.3 percent was built before 2000. Many roofs here are likely past the 15-year mark that insurers watch.

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Updated October 2026

Brick-paved memorial plaza with a dark stone marker, cars and trees behind.
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: PPKoreanWarMemorial Korean War memorial plaza by No machine-readable author provided. BorgHunter assumed (based on copyright claims)., Public domain, cropped

Pinellas Park figures this page uses

Median year homes were built
1978
Share of homes built before 1980
56.7%
Share of homes built before 2000
84.3%
Mobile homes, share of housing units
15.3%

Housing age

Why Pinellas Park roofs reach the 15-year line

The median home here was built in 1978, and 56.7 percent of homes predate 1980. That suggests many original roofs were replaced long ago, and some replacements are now old as well. Homes built before 2000 are 84.3 percent of the total, so the roof's own age matters more than the house's.

Florida law gives you a path when a roof turns 15. Under Fla. Stat. 627.7011(5), your insurer must let you hire an authorized inspector, at your own expense, before it requires replacement. It may not refuse or non-renew you solely for age if the inspection finds 5 or more years of useful life left.

Mobile homes sit in a separate lane. Legislative staff say the 15-year section was not written for mobile home policies. Since 15.3 percent of Pinellas Park housing units are mobile homes, a call to your own insurer about which roof rules govern your policy is worth making.

Inspection scope

What the inspector looks at

An inspector checks what the insurer's forms ask about. The roof section of the 4-point form records the covering material, roof age, remaining useful life, date of the last roofing permit, and whether any replacement was full or partial. It also records overall condition and any damage found.

  • Cracked or curled shingles and bare patches where granules have worn off
  • Exposed felt or asphalt, plus tabs or tiles that are loose, cracked or gone
  • Spongy decking underfoot
  • Stains or drips in the attic and on ceilings below

For homes over 20 years old, Citizens asks for a 4-point inspection with its applications. On shingle roofs past 25 years, or tile, slate, clay, concrete and metal roofs past 50, it wants proof of at least five years of remaining life. A signed Roof Inspection Form with photos of each slope can supply that proof.

Timing

When to order a roof inspection

Buying or selling is the clearest moment. With 69 percent of occupied homes owner-occupied, many sales here will turn on what the roof report says. A report before listing lets you fix problems on your schedule, not the buyer's.

An insurer letter about roof age is the second trigger. Pinellas County storms are the third. Hurricane Eta in 2020 left over 40,000 customers without power in the greater Tampa Bay area, and Hermine in 2016 brought flooding worst in Pinellas County. After a storm, an inspector can separate old wear from new damage.

Mind the deadlines. A new or reopened property claim is barred unless notice reaches your insurer within 1 year of the date of loss, and a supplemental claim within 18 months. Roofers cannot advise you on coverage or offer anything of value for an inspection under Fla. Stat. 489.147. Confirm coverage questions with your insurer.

Request a roof inspection

Questions

Roof inspections in Pinellas Park: questions

Do I need a roof inspection once my roof hits 15 years in Pinellas Park?

Florida does not order one, but it protects you if you get one. Under Fla. Stat. 627.7011(5), an insurer must let you have an authorized inspector check a roof 15 years or older at your own expense. If the inspection shows 5 or more years of useful life, the insurer cannot refuse or non-renew you solely for age. With 84.3 percent of local homes built before 2000, many owners will face this question. Your insurer or agent can explain how it fits your policy.

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

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

The statute names several groups: a licensed home inspector, a building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer, or an architect. The insurer can also recognize others as qualified, and it must sign off on whoever you pick. Ask your insurer for its list before you hire anyone. In Pinellas Park, where 84.3 percent of homes predate 2000, that call can save a second inspection fee.

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

Related: Roof inspections

Does the 15-year roof rule apply to my mobile home in Pinellas Park?

Yes, the 15-year roof rule is written for homeowner policies, and a mobile home policy can come under it. Florida law bars an insurer from refusing or non-renewing a homeowner's policy solely because a roof is under 15 years old. When your roof is 15 years old or more, you can hire an authorized inspector to examine it, paying the cost yourself, and your insurer must allow that. If the inspection shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew you solely because of the roof's age. Mobile homes are 15.3 percent of housing units in Pinellas Park, so this affects many households. Ask your agent which policy type you hold.

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

Related: Roof inspections

What roof details does the 4-point form record?

The roof section records the covering material, roof age, remaining useful life, and the date of the last roofing permit and update. It also notes whether the replacement was full or partial, the percentage replaced, overall condition, and any damage found. With photos of each roof slope, it can take the place of the Roof Inspection Form. Pinellas Park roof permits go through the City of Pinellas Park permits office, so ask there about permit history.

Source: Insp4pt 03 25, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Pinellas Park

Sources for this page(32)
  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: 56.7%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built before 2000: 84.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Mobile homes, share of housing units: 15.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Owner-occupied share of occupied homes: 69%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  7. 7.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  8. 8.Wikipedia, "Pinellas Park, Florida" (secondary source). Read Oct 5, 2026.
  9. 9.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  10. 10.Permit office: City of Pinellas Park - Permits, Inspections and BTRs. City of Pinellas Park - Permits, Inspections and BTRs. Read Oct 10, 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. Read Oct 5, 2026.
  17. 17.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.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.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  23. 23.City of Pinellas Park - Permits, Inspections and BTRs, City of Pinellas Park. Read Oct 5, 2026.
  24. 24.Pinellas County, "Building Departments in Pinellas County" (official), Pinellas County. Read Oct 5, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  27. 27.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  28. 28.City of St. Pete Beach; Town of Redington Shores; City of Largo (official), City of St. Pete Beach. Read Oct 5, 2026.
  29. 29.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.
  30. 30.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Pinellas Park 2020 Census internal point (27.8589, -82.7082), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  31. 31.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach), City of St. Petersburg. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Pinellas Park 2020 Census internal point (27.8589, -82.7082), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Pinellas Park

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