Skip to content

Inspections ยท Medulla

Roof inspections in Medulla, FL

Mobile homes make up 5.3 percent of Medulla's housing units, and their roofs follow a different rulebook than site-built houses. For the rest, the median home here dates to 1995, so many original roofs are likely past 15 years. Here is when an inspection is worth ordering.

Request a quote407-242-2840

Updated October 2026

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.

Medulla figures this page uses

Share of homes built before 1980
18.1%
Median year homes were built
1995
Mobile homes, share of housing units
5.3%
Owner-occupied share of occupied homes
66.2%

Housing age

How old are Medulla roofs?

The median Medulla home was built in 1995, three years later than the Polk County median of 1992. That suggests many original roofs here are past the 15-year mark. Only 18.1 percent of homes predate 1980, so very old roofs are the smaller group.

Section 627.7011(5) of the Florida Statutes sets the line at 15 years. Under it, a roof younger than that cannot be the sole reason for a refused or non-renewed homeowner policy. Once a roof reaches 15 years, your insurer must allow an inspector it authorizes to examine it, and you pay for that visit. A finding of 5 or more years of useful life left takes age off the table as the only reason to drop your policy.

Mobile homes in Medulla are a separate case. They follow the HUD code, not the Florida Building Code, and the senate staff note says this insurance section does not apply to mobile home policies. Confirm roof requirements for a mobile home with your insurer and the Polk County Building Division.

Inspection scope

What the inspection looks at

An inspector records what the insurer forms ask for: covering material, roof age, remaining useful life, last permit date and overall condition. Citizens requires a 4-point inspection for dwellings and mobile homes more than 20 years old, and its roof section is one of the four points.

  • Cracking, curling or cupping of shingles
  • Excess granule loss and exposed asphalt or felt
  • Missing, loose or cracked tabs or tiles
  • Soft spots in decking
  • Water showing up in the attic or on the ceilings inside your home points to a roof leak.

Citizens asks for proof of at least five years of remaining life on shingle roofs older than 25 years, and on hard roofs such as tile or metal older than 50 years. A wind mitigation inspection is separate. It checks attic items you cannot see, such as deck nailing and roof-to-wall connectors, and the form is valid for up to five years.

Timing

When to order a roof inspection in Medulla

Order one before buying or selling, since 66.2 percent of occupied homes here are owner-occupied and roof condition often decides a sale. Order one if a letter from your insurer mentions roof age. Order one after a storm too. Polk County took Hurricane Ian in 2022 with a highest gust of 78 mph in Bartow.

If you file a claim, notice must reach your insurer within 1 year of the date of loss. Fla. Stat. 489.147 bars a roofer from offering anything of value for an inspection or from advising you on coverage, so take policy questions to your insurer or agent. Roof permits for Medulla go through the Polk County Building Division.

Request a roof inspection

Questions

Roof inspections in Medulla: questions

Does my Medulla roof need an inspection at 15 years old?

Florida law does not require one. But at 15 years, Fla. Stat. 627.7011(5) lets you hire an authorized inspector, at your own expense, before an insurer acts on roof age. With the median Medulla home built in 1995, many original roofs are likely past that mark. If the inspection shows 5 or more years of useful life, the insurer cannot refuse or non-renew solely for age.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25077, via Census Reporter API (release acs2024_5yr), read Oct 5, 2026

Related: Roof inspections

Who can inspect my roof for my insurer in Polk County?

The statute calls this person an authorized inspector, meaning one your insurer accepts. The list includes licensed home inspectors, certified building code inspectors, licensed general, building, residential or roofing contractors, professional engineers and architects. Ask your insurer which it accepts before you hire. Roof permits in Medulla fall to the Polk County Building Division, not a town office.

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

Related: Roof inspections

Do mobile homes in Medulla follow the 15-year roof rule?

The 15-year roof rule is Fla. Stat. 627.7011(5), and it covers homeowner's policies, so check which policy type your mobile home has. When your roof is 15 years or older, you can hire an authorized inspector at your own cost, and the insurer must allow it. If that inspection shows at least 5 years of useful life remaining, the insurer may not refuse coverage or non-renew you based on age alone. An authorized inspector can be a licensed home inspector, roofing contractor, engineer or architect the insurer accepts. Medulla's median home was built in 1995, so many roofs here are near the 15-year line.

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

What does a wind mitigation inspection check on a roof?

It records the building code era, design wind region, roof slope, covering type, deck attachment, roof-to-wall connections, roof shape and opening protection. OIR-B1-1802 is the form in use now, and it became effective on April 1, 2026. Provided nothing material changes, the document remains valid for as long as five years. Polk County gusts reached 78 mph in Bartow during Ian, so these details matter locally.

Source: OIR form, read Oct 4, 2026

Related: Roof inspections

Nearby

Roof inspections near Medulla

Sources for this page(39)
  1. 1.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25077, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 18.1%. 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.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B01001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Median year homes were built: 1995. 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.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.
  6. 6.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.
  7. 7.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.
  8. 8.Mobile homes, share of housing units: 5.3%. 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.
  9. 9.Permit office: Polk County Building Division. Polk County Building Division. Read Oct 10, 2026.
  10. 10.Owner-occupied share of occupied homes: 66.2% (2,791 of 4,216 occupied units). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr). Read Oct 5, 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 4, 2026.
  14. 14.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  16. 16.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  17. 17.OIR form. Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.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.
  21. 21.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.
  22. 22.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.
  23. 23.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.
  24. 24.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.
  25. 25.Polk County Building Division, Polk County Building Division. Read Oct 5, 2026.
  26. 26.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.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  30. 30.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  31. 31.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 28, U.S. Census Bureau. Read Oct 5, 2026.
  32. 32.NOAA NCEI Storm Events bulk files 2016-2025 (operator count), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.U.S. Census Bureau, Vintage 2025 county population estimates (co-est2025-alldata.csv: ESTIMATESBASE2020, POPESTIMATE2025), U.S. Census Bureau. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Medulla 2020 Census internal point (27.9585, -81.9812), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  36. 36.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  37. 37.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  38. 38.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  39. 39.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.

South Fork Roofing

Roof inspections in Medulla

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote