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Inspections ยท Davenport

Roof inspections in Davenport, FL

Mobile homes make up 11.2 percent of Davenport's housing units, and Florida's 15-year roof rule does not reach their policies. Most other homes here are new, so a roof inspection is usually tied to one event: a sale, an insurer letter or a storm. Here is when to order one.

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Updated October 2026

White stucco city hall with bell tower and arched arcade under a clear blue sky.
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: Davenport Hist Dist City Hall pano02 by Ebyabe, CC BY-SA 2.5, cropped

Davenport figures this page uses

Median year homes were built
2015
Share of homes built before 1980
3.9%
Seasonal, recreational or occasional-use homes (share of all units)
7.6%
Mobile homes, share of housing units
11.2%

Housing age

How old are the roofs on Davenport homes?

The median Davenport home was built in 2015, and 71 percent of housing units went up in 2010 or later. Only 3.9 percent were built before 1980. That suggests most original roofs here are still under 15 years old, though the 2015 median carries a margin of error of two years.

Age matters because of Florida Statute 627.7011(5). For a Davenport home with a roof under 15 years old, the insurer cannot turn you away on roof age alone. Once the roof reaches 15, you may hire an authorized inspector to examine it at your own expense. Five or more years of useful life left means the insurer may not refuse or non-renew solely for age.

Your policy's terms are between you and your insurer or agent. Ask them what they require before you pay for anything.

Inspection contents

What a roofer checks and what the forms ask

For properties past 20 years old, Citizens wants a 4-point inspection, and its roof section records the covering, roof age, remaining useful life, last roofing permit, how much was replaced and overall condition. Citizens also asks for documented remaining life on roofs older than 25 years (shingle) or 50 years (tile, metal and other hard roofs). With a median build year of 2015, few Davenport homes reach those lines yet.

  • Cracking, curling or cupping, and heavy granule loss
  • Exposed asphalt or felt, plus tabs or tiles that are missing, loose or cracked
  • Soft spots in the decking
  • Visible hail damage
  • Water stains or leaks in the attic and on ceilings below

A wind mitigation inspection is separate. Form OIR-B1-1802 asks about deck attachment, roof-to-wall connections and the sealed roof deck. Those are attic items you cannot see yourself, and the signer must photograph them. A completed form can be reused for up to five years, as long as the structure has not materially changed.

Timing

When to order a roof inspection in Davenport

Order one before you buy or sell, when an insurer sends a roof-age letter, or after a hard storm. Davenport saw 2-inch hail on May 15, 2022, and Irma dropped 17.61 inches of rain at a station here in 2017. Hail and leaks are on the damage list inspectors check.

Seasonal or occasional-use homes are 7.6 percent of units here. If yours sits empty part of the year, an inspection after a storm catches attic leaks before they spread.

Request a roof inspection

Questions

Roof inspections in Davenport: questions

Does the 15-year roof rule apply to my Davenport mobile home?

The 15-year roof rule is Florida Statute 627.7011(5), which says an insurer may not refuse or non-renew a homeowner's policy solely because the roof is less than 15 years old. Once a roof reaches 15 years, you may pay an authorized inspector to check its condition. The insurer cannot refuse coverage or decline to renew based on age alone when that inspection shows at least 5 years of useful life remaining. Davenport's median home was built in 2015, so many roofs there are still under the 15-year line. Ask your agent whether the rule covers your mobile home policy.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

Who can sign a roof inspection for my insurer?

Someone your insurer accepts. The statute lists a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer or an architect. Citizens' roof form takes a contractor, a building code inspector or a Florida-licensed home inspector, with photos of each roof slope. In Davenport, where the median home dates to 2015, ask the insurer first whether it wants an inspection at all.

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

Related: Roof inspections

Can a roofer offer me a free roof inspection after a storm?

Not under Florida Statute 489.147. A contractor may not offer anything of value for a roof inspection or a claim, including a deductible waiver. Contractors also may not interpret your policy or advise on coverage unless they are public adjusters. After a Polk County storm, such as Irma or Ian, call your insurer or agent about coverage and use a contractor only for the roof itself.

Source: Florida Statutes, section 489.147 (2026), read Oct 4, 2026

Related: Roof inspections

How long is a wind mitigation inspection good for?

Up to five years, if no material changes are made to the structure and no inaccuracies are found on the form. The current version is OIR-B1-1802, effective April 1, 2026. Because 71 percent of Davenport homes were built in 2010 or later, many were built under newer codes, and the form's first question asks which building code era applies. The state notice says discounts apply only to the hurricane-wind portion of your policy, so ask your insurer how yours would apply.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Davenport

Sources for this page(47)
  1. 1.Median year homes were built: 2015. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.Share of homes built before 1980: 3.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  5. 5.NOAA NCEI Storm Events Database, event 1016579 (Hail, 2022-05-15, zone/county POLK), bulk details file. Read Oct 5, 2026.
  6. 6.NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file. Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  8. 8.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1058669 (Tropical Storm, 2022-09-28, zone/county POLK), bulk details file; NHC TCR AL092022; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  9. 9.Hurricane Nicole (2022). NOAA NCEI Storm Events Database, event 1060337 (Tropical Storm, 2022-11-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  10. 10.Seasonal, recreational or occasional-use homes (share of all units): 7.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004 and B25001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  11. 11.Mobile homes, share of housing units: 11.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
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  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  16. 16.Insp4pt 03 25. Read Oct 4, 2026.
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  19. 19.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  20. 20.OIR form. Read Oct 4, 2026.
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  23. 23.Florida Office of Insurance Regulation. Read Oct 5, 2026.
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  27. 27.NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
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  38. 38.City of Davenport Building & Planning Department, City of Davenport Building & Planning Department. Read Oct 5, 2026.
  39. 39.National Park Service NPGallery NRHP record (listing date from Wikipedia county NRHP list), National Park Service NPGallery NRHP record. Read Oct 5, 2026.
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  43. 43.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Davenport 2020 Census internal point (28.1612, -81.6108), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  44. 44.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Davenport 2020 Census internal point (28.1612, -81.6108), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  45. 45.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
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  47. 47.City of Davenport, History, City of Davenport. Read Oct 5, 2026.

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