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Inspections ยท Dundee

Roof inspections in Dundee, FL

Mobile homes make up 22.5 percent of Dundee's housing units, so many inspections here start by asking which rules the home follows. A roof inspection checks the covering, the deck and the leaks, and Florida insurers ask for one at set ages. Here is when to order it.

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Updated October 2026

Single-storey light-coloured town hall with a tower, flagpole, and fountain in front under a dusk 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: Dundee (FL) Town Hall and Library-1 by DanTD, CC BY-SA 4.0, cropped

Dundee figures this page uses

Share of homes built before 1980
29.1%
Median year homes were built
1996
Seasonal, recreational or occasional-use homes (share of all units)
10.1%
Mobile homes, share of housing units
22.5%

Housing age

Why roof age matters for Dundee homes

About 29.1 percent of Dundee homes were built before 1980, while 36 percent were built in 2010 or later. That is a split between very old and quite new homes. A home built before 1980 has probably had its roof replaced at least once, so the permit history matters more than the build year.

The cutoff in Fla. Stat. 627.7011(5) sits at 15 years. A Dundee roof under that age cannot be the sole reason an insurer refuses to write or renew your homeowner's policy. Once the roof reaches 15 years, you may bring in an inspector the insurer accepts, paid for by you. Once an inspection finds 5 or more years of useful life remaining, age alone cannot be the reason for a refusal or non-renewal.

Mobile homes sit differently. Senate staff read this section as not covering mobile home policies, which matters when 22 percent of Dundee housing units are mobile homes against 20 percent countywide. Those roofs follow the HUD code, not the Florida Building Code, so ask the inspector which standard applies to your home.

Inspection scope

What a roof inspection checks

On the 4-point form, the roof section lists the material, age, remaining life, last permit date and whether the replacement was full or partial. Citizens wants that inspection for properties over 20 years old. Clear photos of every slope can take the place of the separate roof inspection form.

  • Cracked, cupped or curling shingles and bare asphalt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Leak marks on attic decking and interior ceilings

A wind mitigation inspection looks at items you cannot see from the ground, such as roof deck nailing and roof-to-wall connectors. Form OIR-B1-1802, the current version, remains valid for up to five years as long as the structure itself is unchanged. The signer must inspect the home personally.

Timing

When to order an inspection in Dundee

Order one before you buy or sell, when an insurer letter names the roof, or after a storm. Hurricane Irma in 2017 brought a 75 kt gust near Bartow, and Polk County had 1,604 homes or businesses with major damage. About 10.1 percent of Dundee homes are seasonal or occasional-use, and a home you are away from is worth checking after any storm.

Citizens wants documentation of five years of remaining life for shingle roofs older than 25 years and for hard roofs older than 50 years. The inspector must be one the insurer accepts, such as a licensed contractor, home inspector or engineer. What your policy requires is something your agent or insurer can confirm for you. For permits on any repair that follows, contact the Town of Dundee Building Department.

Request a roof inspection

Questions

Roof inspections in Dundee: questions

What does a roof inspection in Dundee look for?

The inspector checks the covering, the decking and the attic. Florida insurer forms list cracking, curling, heavy granule loss, missing or loose tabs, soft decking spots and leaks. The 4-point roof section also records roof age, remaining useful life and the last permit date. In Dundee, where 22.5 percent of housing units are mobile homes, tell the inspector your home type first.

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

My insurer says my roof is 15 years old. What now?

Florida law lets you hire an authorized inspector at your own expense. Should the inspection show 5 or more years of useful life left, roof age by itself is not grounds for the insurer to refuse or non-renew. Your insurer has to accept the inspector you choose. About 29.1 percent of Dundee homes were built before 1980, so this letter is common here. Check the specifics with your insurer or agent before you rely on them.

Source: 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

Related: Roof inspections

How long is a wind mitigation inspection good for?

The current form, OIR-B1-1802, is valid for up to five years if the structure has not changed and the form has no inaccuracies. It took effect April 1, 2026. It asks about code era, wind region, roof slope, covering, deck attachment and roof-to-wall connections. Polk County has seen Irma and Ian in 2017 and 2022, so insurers weigh these items.

Source: Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), read Oct 4, 2026

Related: Roof inspections

Can a roofer offer me a gift to start a roof claim in Polk County?

No. Under Fla. Stat. 489.147, a roofing contractor may not offer anything of value for a roof inspection or a claim, and may not advise you on coverage. Deadlines also apply: notice of a new claim must reach the insurer within 1 year of the loss date. Hurricane Ian's DR-4673 declaration covered Polk County in 2022, so storm-season solicitations are worth treating carefully. For anything about your own policy, your insurer or agent is the one to contact.

Source: 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

Related: Roof inspections

Nearby

Roof inspections near Dundee

Sources for this page(39)
  1. 1.Share of homes built before 1980: 29.1%. 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.
  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.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.
  4. 4.Median year homes were built: 1996. 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.
  5. 5.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.
  6. 6.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.
  7. 7.Seasonal, recreational or occasional-use homes (share of all units): 10.1%. 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.
  8. 8.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.
  9. 9.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.
  10. 10.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.
  11. 11.Permit office: Town of Dundee Building Department. Town of Dundee Building Department. Read Oct 10, 2026.
  12. 12.Mobile homes, share of housing units: 22.5%. 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.
  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 4, 2026.
  16. 16.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.711 (2026). Read Oct 5, 2026.
  19. 19.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  20. 20.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  21. 21.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  22. 22.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004 and B25001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  26. 26.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.
  27. 27.NOAA NCEI Storm Events Database, event 1060337 (Tropical Storm, 2022-11-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.Town of Dundee Building Department, townofdundee.com. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  30. 30.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  31. 31.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  32. 32.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  33. 33.NOAA NCEI Storm Events bulk files 2016-2025 (operator count), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Dundee 2020 Census internal point (28.0111, -81.6010), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Dundee 2020 Census internal point (28.0111, -81.6010), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 26, U.S. Census Bureau. Read Oct 5, 2026.
  37. 37.City of Winter Haven, Our Lakes; City of Lakeland, Lakes & Stormwater, mywinterhaven.com. Read Oct 5, 2026.
  38. 38.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00084802 and USW00012876, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  39. 39.Town of Dundee, About the Town, townofdundee.com. Read Oct 5, 2026.

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Roof inspections in Dundee

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