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Inspections ยท Casselberry

Roof inspections in Casselberry, FL

In Casselberry, 7.6 percent of housing units are mobile homes, and 42.6 percent of all homes were built before 1980. Many roofs here are likely past 15 years old, the age at which Florida insurers start asking questions. An inspection tells you how much life is left and what to do next.

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Updated October 2026

Tan city hall building with an American flag, leafy trees, and a brick walkway under 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: Casselberry City Hall FL by Connor J Williams, CC BY 2.0, cropped

Casselberry figures this page uses

Median year homes were built
1983
Mobile homes, share of housing units
7.6%
Owner-occupied share of occupied homes
59.5%
Share of homes built before 1980
42.6%

Housing age

Why age matters on Casselberry roofs

The median Casselberry home was built in 1983, five years earlier than the 1988 countywide median for Seminole County. That suggests many original roofs here are well past the 15-year mark, and a good share have been replaced at least once. Mobile homes are 7.6 percent of units here against 2.1 percent countywide.

Florida's age trigger for roofs is 15 years. Once a Casselberry roof reaches it, your insurer must let you hire an authorized inspector at your own expense. When a report shows at least 5 years of useful life left, an insurer cannot refuse or non-renew a policy on age alone.

That law does not apply to mobile home policies, according to Senate staff notes. If you own a mobile home in Casselberry, ask your insurer what it requires, and note that these homes follow the HUD code, not the Florida Building Code.

Inspection scope

What a roof inspection checks

An inspector records the covering type, roof age, remaining useful life and date of the last roofing permit. The 4-point form also asks whether the roof was fully or partly replaced and by what percentage. Citizens requires that form for properties more than 20 years old, and Casselberry's median build year of 1983 puts many homes past that line.

  • Cracking, curling or cupping of shingles
  • Bare asphalt or felt showing through, which points to granule loss
  • Missing, loose or cracked tabs or tiles
  • Soft spots in the decking
  • Signs of a leak may show up in your attic or as stains on the ceilings below.

For a shingle roof past 25 years, Citizens wants documentation of five more years of life. Tile and metal roofs are treated as hard roofs with a 50-year line. A separate wind mitigation form, OIR-B1-1802, covers attic items you cannot see, such as roof-to-wall connections and roof deck attachment.

Timing

When to order an inspection

Casselberry's owner-occupied share is 59.5 percent, so many roofs belong to people who may soon sell, renew or file. Book an inspection ahead of a sale, once a roof-age letter arrives, or following a storm. Photos of each slope can stand in for a separate roof form.

Storm timing matters. Seminole County saw Hurricane Irma in 2017, when 4,939 of 7,125 assessed residential structures were affected. Notice of a new or reopened claim has to reach the insurer within 1 year of the loss. Your insurer or agent can tell you what your policy actually covers.

A roofer may not offer you anything of value for an inspection or urge you to file a claim. Florida Statute 489.147 bars that. For permit questions, confirm requirements with the City of Casselberry Building Division.

Request a roof inspection

Questions

Roof inspections in Casselberry: questions

How old is a Casselberry roof when the insurer asks for an inspection?

The state line is 15 years. For a roof that old, your insurer must allow an authorized inspector to check it at your expense. Where the report lists 5 or more years of useful life remaining, age by itself is not a permitted reason for the insurer to refuse or non-renew. With 42.6 percent of Casselberry homes built before 1980, many owners here will reach this question.

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

Related: Roof inspections

Who counts as an authorized roof inspector in Florida?

Your insurer has to accept the inspector. Qualifying people include a licensed home inspector, a certified building code inspector, a licensed general, building, residential or roofing contractor, a professional engineer or an architect. Other professionals can also be accepted by the insurer as qualified. Ask your insurer for its list before you hire anyone, since Casselberry's 1983 median build year means many owners need a report soon.

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

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

The 15-year roof rule in Fla. Stat. 627.7011(5) applies to a homeowner's policy, so it covers a Casselberry mobile home only if the policy is a homeowner's policy. An insurer may not refuse to issue or renew solely because the roof is under 15 years old. When your roof is 15 years or older, you can hire an authorized inspector at your own expense, and the insurer has to allow it. If that inspection shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew you solely because of the roof's age. Mobile homes are 7.6 percent of Casselberry housing units, so ask your insurer which roof documents it wants.

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

Related: Roof inspections

How long is a wind mitigation inspection good for?

Form OIR-B1-1802 (Rev. 04/26), the current version, stays valid for as long as five years, provided the structure has had no material changes and the form contains no inaccuracies. Seminole County's Hurricane Irma toll of 162 homes with major damage is one reason owners keep this form current. Your insurer or agent can tell you what credits apply.

Source: NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), read Oct 5, 2026

Related: Roof inspections

Nearby

Roof inspections near Casselberry

Sources for this page(38)
  1. 1.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.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25024. Read Oct 5, 2026.
  4. 4.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.
  5. 5.Mobile homes, share of housing units: 7.6%. 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 B25024. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 59.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  9. 9.Permit office: City of Casselberry Building Division. City of Casselberry Building Division. Read Oct 10, 2026.
  10. 10.Share of homes built before 1980: 42.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. 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.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 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.OIR form. Read Oct 4, 2026.
  22. 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  23. 23.City of Casselberry Building Division, City of Casselberry Building Division. Read Oct 5, 2026.
  24. 24.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 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.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  27. 27.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  28. 28.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  29. 29.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  30. 30.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Casselberry 2020 Census internal point (28.6612, -81.3219), NOAA Hydrometeorological Design Studies Center. 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.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  33. 33.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  34. 34.Seminole County Government, Building Division, Seminole County Government. Read Oct 5, 2026.
  35. 35.City of Casselberry, History, City of Casselberry. Read Oct 5, 2026.
  36. 36.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  37. 37.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  38. 38.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.

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