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Inspections ยท Treasure Island

Roof inspections in Treasure Island, FL

Only 0.8 percent of Treasure Island housing units are mobile homes, so nearly every roof here follows the Florida Building Code, not the HUD code. Most homes are also old. Many of these roofs are likely past the 15-year mark insurers watch, and an inspection tells you what is left.

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Updated October 2026

A Treasure Island beach park sign stands beside palm trees, a white pavilion, and a walking path.
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: Sunset Beach,Treasure Island,Florida. by Roman Eugeniusz, CC BY-SA 3.0, cropped

Treasure Island figures this page uses

Median year homes were built
1970
Share of homes built before 2000
93.6%
Owner-occupied share of occupied homes
74.4%
Median age
62.7yrs

Housing age

How old are Treasure Island roofs?

The median home here was built in 1970, and 93.6 percent of homes predate 2000. By our arithmetic, that leaves 6.4 percent built in 2000 or later. That suggests many original roofs are long gone, and the roofs now on these houses are replacements of mixed age.

Roof age drives a state rule for your insurance renewal. Under 15 years, an insurer cannot turn you away solely over the roof's age. At 15 years and up, you can hire an authorized inspector, paying for it yourself. When a report shows 5 or more years of useful life remaining, an insurer cannot refuse or non-renew a policy on the basis of roof age alone.

About 74.4 percent of occupied homes here are owner-occupied, so most roof decisions rest with the person living under it. The median resident age of 62.7 suggests many owners will want a clear written answer before a renewal date, not a sales pitch.

Inspection scope

What a roof inspection checks

A roofer's report for your insurer mirrors the 4-point form. Its roof section records the covering material, roof age, remaining useful life, date of the last roofing permit, and any full or partial replacement. It also records overall condition. Photos of each roof slope are expected.

  • Cracking, curling, cupping and heavy granule loss
  • Exposed felt or asphalt, plus loose, missing or cracked tabs and tiles
  • Soft spots in the decking
  • Leaks showing in the attic, under the decking or on ceilings below

A wind mitigation inspection is separate. It uses form OIR-B1-1802, effective April 1, 2026, and covers attic items you cannot see, such as roof deck nailing and roof-to-wall connectors. The city states its wind requirement as 147-150 mph, Wind Exposure D, which sets the stakes for those connections on this island.

Timing

When to order an inspection

Order one before you buy or sell, when an insurer sends a roof-age letter, and after a storm. Treasure Island sits at about three feet of elevation and water covers 71.3 percent of its area, so storm surge and wind are real risks to every roof here.

After Hurricane Helene in 2024, most Pinellas surge deaths were on the barrier islands that include Treasure Island. If a storm damages your roof, notice to your insurer must arrive within 1 year of the date of loss. Before assuming anything about coverage, ask your insurer or agent what your own policy includes.

Roof work here goes through the City of Treasure Island Building Division. Confirm permit and reroof requirements with that office before work starts. Also remember the 25 percent rule: repairing more than 25 percent of a roof in 12 months can trigger replacing the whole covering, unless the roof was built or redone under the 2007 Florida Building Code or later.

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Questions

Roof inspections in Treasure Island: questions

Does my Treasure Island roof need an inspection at 15 years?

Florida law does not force an inspection at 15 years, but it gives you a right. Once your roof reaches that age, you can bring in an authorized inspector at your own cost, and your insurer must allow it. A finding of 5 or more years of useful life limits an age-only refusal or non-renewal. About 93.6 percent of homes here were built before 2000, so many owners may face this question. When you want to understand what your policy's terms say, your insurer or agent can answer that for you.

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 lists who qualifies, and the insurer must accept the person. The list includes a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor, a roofing contractor, a professional engineer, or an architect. Other professionals may also be accepted by an insurer as qualified. Treasure Island's median home was built in 1970, so a careful inspector will look at the roof covering and the attic.

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

Related: Roof inspections

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

It asks for the covering material, roof age, remaining useful life, date of the last roofing permit, whether the roof was fully or partly replaced and the percentage, overall condition, and any damage. Citizens asks for this form on dwellings more than 20 years old. Photos of every roof slope let the roof section stand in for the Roof Inspection Form. With 75.3 percent of Treasure Island homes built before 1980, many properties here fall in that range.

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

Related: Roof inspections

How long is a wind mitigation inspection good for?

Form OIR-B1-1802 is valid for up to five years, provided no material changes have been made to the structure and no inaccuracies are found on the form. April 1, 2026 is the date the current revision went into effect. On Treasure Island, where the city states wind requirements of 147-150 mph, Wind Exposure D, a fresh form after a reroof or connector upgrade is worth a call to your insurer or agent.

Source: City of Treasure Island, Building Division (official), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Treasure Island

Sources for this page(35)
  1. 1.Median year homes were built: 1970. 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 2000: 93.6%. 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: 74.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Median age: 62.7. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B01002, via Census Reporter API. Read Oct 5, 2026.
  5. 5.City of Treasure Island, Building Division (official). 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.Wikipedia, "Treasure Island, Florida" (secondary source). Read Oct 5, 2026.
  8. 8.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  9. 9.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Helene. Read Oct 5, 2026.
  10. 10.Permit office: City of Treasure Island - Building Division. City of Treasure Island - Building Division. Read Oct 10, 2026.
  11. 11.Mobile homes, share of housing units: 0.8%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  12. 12.Share of homes built before 1980: 75.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.2023 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).
  20. 20.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  21. 21.OIR form. Read Oct 4, 2026.
  22. 22.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.
  23. 23.City of Treasure Island - Building Division, City of Treasure Island. Read Oct 5, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  25. 25.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  26. 26.Wikipedia, "Pinellas County, Florida" (secondary), Wikipedia. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.Pinellas County, "Building Departments in Pinellas County" (official), Pinellas County. Read Oct 5, 2026.
  29. 29.City of St. Petersburg; City of Tarpon Springs (official); Wikipedia (St. Pete Beach), City of St. Petersburg. Read Oct 5, 2026.
  30. 30.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.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. 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 National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  34. 34.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Treasure Island 2020 Census internal point (27.7640, -82.7688), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof inspections in Treasure Island

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