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Inspections ยท Altamonte Springs

Roof inspections in Altamonte Springs, FL

Mobile homes are only 0.1 percent of Altamonte Springs housing, so nearly every roof here sits on a site-built house. The median home dates to 1983, and 38.9 percent were built before 1980. That suggests many original roofs are well past the 15-year mark Florida insurers watch.

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Updated October 2026

Golden sunset over an open green softball field with a batting cage and tall light 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: Altamonte Springs at sunset by RodBike, CC BY-SA 4.0, cropped

Altamonte Springs figures this page uses

Mobile homes, share of housing units
0.1%
Median year homes were built
1983
Owner-occupied share of occupied homes
43.2%
Share of homes built before 1980
38.9%

The 15-year rule

Why a 15-year-old roof triggers an inspection

Fifteen years is the age that changes what your insurer may do. Under 15, the insurer cannot refuse to issue or renew your homeowner's policy solely because of the roof's age. At 15 or older, the insurer must let you hire an authorized inspector, at your expense, before it requires replacement.

If that inspector finds five or more years of useful life left, the insurer may not refuse or non-renew you for age alone. This covers homeowner's policies issued or renewed from July 1, 2022 onward. Staff analysis says it does not reach mobile home policies, which are rare in Altamonte Springs.

Not every inspector counts. The insurer must approve the person, who can be a licensed home inspector, a licensed roofing or general contractor, a building code inspector, an engineer or an architect. Get the insurer's approval in writing before you pay anyone.

Inspection scope

What the inspector looks at on your roof

The roof section of the 4-point form records the covering material, the roof's age and its remaining useful life. It also notes the last roofing permit, any full or partial replacement, and overall condition. Citizens requires this inspection for properties more than 20 years old, which describes much of a city with a 1983 median build year.

  • Cracked, cupped or curling shingles and tiles
  • Bare spots where granules have worn off, plus exposed felt
  • Tabs or tiles that are missing or loose
  • Soft spots in the decking
  • Water stains or leaks on the underside of the decking and on ceilings

Roof age alone can also matter to Citizens. It wants documentation of at least five years of remaining life once a shingle roof passes 25 years, or a hard roof such as tile or metal passes 50. The inspector photographs every slope for the form.

Timing

When to order a roof inspection in Altamonte Springs

Order one before you buy or sell, since only 43.2 percent of occupied homes here are owner-occupied and many sales involve older houses. Order one when your insurer sends a letter about roof age, because the inspection is your route under the 15-year rule. Order one after a storm, too. Hurricane Ian flooded homes in the Spring Oaks subdivision along the Little Wekiwa River.

Storm timing matters. A new or reopened property claim is barred unless the insurer gets notice within 1 year of the date of loss. Seminole County also publishes storm damage repair resources through its Building Division. Roof permits in the city come from the Building and Fire Safety Department.

Be wary of any roofer who offers something of value for an inspection or urges you to file a claim. Florida Statute 489.147 bars that, and a roofer may not advise you on what your policy covers. Take coverage questions to your insurer or agent.

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Questions

Roof inspections in Altamonte Springs: questions

How many homes in Altamonte Springs are old enough to need a roof check?

A large share. The median home was built in 1983, and 38.9 percent of homes predate 1980. Seminole County as a whole has a younger median build year of 1988, so this city skews older. Our inference is that many original roofs are past 15 years. Any roof at that age can draw an insurer's attention, and an inspection shows how much useful life remains.

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

Related: Roof inspections

Who can inspect my roof for my insurance company?

The insurer must approve the inspector, and Florida law lists who qualifies. That includes a licensed home inspector, a building code inspector, a licensed roofing or general contractor, a professional engineer, or an architect. Anyone else the insurer recognizes as qualified also counts. In Altamonte Springs, where the median house is from 1983, many owners will need this inspection. The inspection is at your expense, so confirm approval with your insurer or agent first.

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

Related: Roof inspections

What does an inspector check in the attic for wind mitigation?

The wind mitigation form, OIR-B1-1802 (Rev. 04/26), asks about roof deck attachment, roof-to-wall connections, a sealed roof deck, roof shape and opening protection. Much of that is in the attic, where a homeowner cannot easily see it. In Altamonte Springs, 38.9 percent of homes predate 1980, so these details are worth checking. The form stays valid for up to five years if the structure has no material changes. The state says discounts cover only the hurricane-wind portion of your policy.

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

Related: Roof inspections

Does a mobile home roof follow the same 15-year rule?

The 15-year roof rule in Fla. Stat. 627.7011(5) governs homeowner's policies, and an insurer may not refuse to issue or renew one solely because the roof is under 15 years old. Once a roof reaches 15 years of age, an authorized inspector can evaluate it, and the cost of that visit falls on you. The insurer cannot refuse or non-renew you based on age alone when that inspection shows 5 or more years of useful life remaining. Senate staff note that this section does not apply to mobile home policies, which affects few households here, since mobile homes are 0.1 percent of Altamonte Springs housing. Ask your insurer which paperwork applies to you.

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

Related: Roof inspections

Nearby

Roof inspections near Altamonte Springs

Sources for this page(36)
  1. 1.Mobile homes, share of housing units: 0.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  3. 3.City of Altamonte Springs, Flood Information. Read Oct 5, 2026.
  4. 4.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  5. 5.Median year homes were built: 1983. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 43.2%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Seminole County Government, Building Division. Read Oct 5, 2026.
  9. 9.Permit office: City of Altamonte Springs Building and Fire Safety Department. City of Altamonte Springs Building and Fire Safety Department. Read Oct 10, 2026.
  10. 10.Share of homes built before 1980: 38.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  12. 12.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. 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.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  20. 20.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  21. 21.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  22. 22.OIR form. Read Oct 4, 2026.
  23. 23.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  24. 24.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  25. 25.City of Altamonte Springs Building and Fire Safety Department, City of Altamonte Springs Building and Fire Safety Department. Read Oct 5, 2026.
  26. 26.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). 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.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  32. 32.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  33. 33.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  34. 34.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  35. 35.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Altamonte Springs 2020 Census internal point (28.6595, -81.3943), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  36. 36.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof inspections in Altamonte Springs

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