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Inspections ยท Redington Shores

Roof inspections in Redington Shores, FL

Mobile homes make up 0 percent of Redington Shores housing, so the Florida Building Code and the same insurer roof rules apply to every roof here. Since 86.4 percent of homes were built before 2000, many original roofs are likely past the 15-year mark. An inspection tells you the condition and remaining life of yours.

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Updated October 2026

Single-storey brick building with a green metal roof and an American flag on a pole.
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: Redington shores town hall by Philipp Michel Reichold, CC BY-SA 3.0, cropped

Redington Shores figures this page uses

Median year homes were built
1976
Share of homes built before 1980
65.3%
Owner-occupied share of occupied homes
83.5%
Mobile homes, share of housing units
0%

Housing age

Why roof age matters for Redington Shores homes

The median home here was built in 1976, and 65.3 percent were built before 1980. That suggests many roofs have been replaced at least once, and some are on a second or third covering. The age of the current roof, not the house, is what an insurer and a buyer will ask about.

Florida's 15-year rule is the reason. Once your roof reaches 15 years, the law lets you hire an authorized inspector, at your own expense, before the insurer can require replacement. A finding of 5 or more years of useful life stops the insurer from dropping or declining you over age alone.

Ask your own insurer or agent which inspectors it accepts. The statute lists home inspectors, building code inspectors, contractors, engineers and architects, but the insurer must approve the person.

Inspection scope

What a roof inspection checks and records

For a house built around the 1976 median, the insurer's 4-point form asks for the covering material, the roof's age and remaining life, and the last roofing permit date. It also asks whether any replacement was full or partial, with photos of each slope. Citizens requires this inspection on properties more than 20 years old.

  • Cracked, curled or cupped shingles or tiles
  • Bare asphalt or exposed felt where the granules have worn away
  • Missing, loose or broken tabs or tiles
  • Soft spots in the roof decking
  • Water stains in the attic and on ceilings below

A wind mitigation inspection uses a different form, OIR-B1-1802. It covers attic items you cannot see from the ground: deck attachment, roof-to-wall connections and the sealed roof deck. One completed form can be used for up to five years, unless the structure changes or the form has errors.

Timing

When to order an inspection in Redington Shores

Good moments to order one are a purchase or sale, a roof-age letter from your insurer, or a storm. With 83.5 percent of occupied homes owner-occupied, these calls mostly fall to the homeowner, not a landlord.

After a storm, repairs need a permit. The town asks for a Hurricane Helene permit application plus a Substantial Improvement packet and worksheet on storm-related permits, and roofing is among the work that needs a permit. Redington Beach's building department is administered from the same Redington Shores office.

If a contractor offers anything of value for an inspection or pushes you toward a claim, that is prohibited under Florida law. Check your coverage with your insurer or agent, not with a roofer.

Request a roof inspection

Questions

Roof inspections in Redington Shores: questions

How many Redington Shores homes are old enough to have an older roof?

About 86.4 percent of homes here were built before 2000, and 65.3 percent before 1980. The median build year is 1976. That does not tell us any one roof's age, but it suggests many roofs have been replaced once or more. Check the permit date and covering on your own roof, since that is what an insurer's form asks about.

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 is the 15-year roof rule in Florida?

Fla. Stat. 627.7011(5) bars an insurer from using the age of a roof under 15 years old as the only grounds for declining to issue or renew your homeowner's policy. Once the roof reaches 15 years or more, you may pay to have an authorized inspector evaluate it. A finding of 5 or more years of useful life means age alone cannot justify refusal or non-renewal.

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

Related: Roof inspections

Do Citizens roof-age rules differ from the 15-year rule?

Citizens sets its own roof-age terms, and they are separate from the 15-year rule in Florida law. Under Fla. Stat. 627.7011(5), an insurer may not refuse to issue or renew a homeowner's policy solely because a roof is less than 15 years old. When your roof has reached 15 years of age or more, the insurer has to allow an authorized inspector to examine it, and you pay for that inspection yourself. Age alone cannot be the only reason an insurer declines or non-renews coverage, provided that inspection finds 5 or more years of useful life remaining. Redington Shores has a median home age of 64.7 years, so many owners here will meet these roof-age questions.

Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026

Related: Roof inspections

Do I need a permit after storm damage in Redington Shores?

Yes for roofing. The town requires a Hurricane Helene permit application and a Substantial Improvement packet and worksheet for all storm-related permits. Confirm current steps with the Redington Shores Building Department, which also handles Redington Beach. Pinellas County lists the town as having its own building department.

Source: Town of Redington Shores, Building Department (official), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Redington Shores

Sources for this page(31)
  1. 1.Median year homes were built: 1976. 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: 65.3%. 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: 83.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Town of Redington Shores, Building Department (official). Read Oct 5, 2026.
  5. 5.Pinellas County, "Building Departments in Pinellas County" (official). Read Oct 5, 2026.
  6. 6.Permit office: Town of Redington Shores - Building Department. Town of Redington Shores - Building Department. Read Oct 10, 2026.
  7. 7.City of St. Pete Beach; Town of Redington Shores; City of Largo (official). Read Oct 5, 2026.
  8. 8.Mobile homes, share of housing units: 0%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  9. 9.Share of homes built before 2000: 86.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  11. 11.Median age: 64.7. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B01002, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  13. 13.Insp4pt 03 25. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  15. 15.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  16. 16.OIR form. Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  20. 20.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.
  21. 21.Town of Redington Shores - Building Department, townofredingtonshores.com. Read Oct 5, 2026.
  22. 22.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. 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.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Redington Shores 2020 Census internal point (27.8320, -82.8336), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Redington Shores 2020 Census internal point (27.8320, -82.8336), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.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.
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.

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Roof inspections in Redington Shores

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