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Inspections · Bushnell

Roof inspections in Bushnell, FL

Three in four occupied homes in Bushnell, 75.7 percent, are lived in by their owners, so an insurer's request for a roof inspection usually lands with the person who will act on it. Roof inspections in Bushnell then split by home type, because Florida's 15-year roof law covers homeowner policies on houses but not mobile home policies.

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Updated October 2026

Historic brick courthouse with arched colonnade and towers, framed by a large oak tree and palm.
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: Bushnell Sumter Cty Crths03 by Ebyabe, CC BY-SA 3.0, cropped

Bushnell figures this page uses

Owner-occupied share of occupied homes
75.7%
Mobile homes, share of housing units
50.4%
Housing units (ACS 5-year)
1,524
Median year homes were built
1983

Local know-how

Site-built or mobile: which roof rules a Bushnell home falls under

For a house on a homeowner's policy, section 627.7011(5) does two things. An insurer may not refuse or non-renew solely because the roof is under 15 years old. Once it reaches 15, the insurer must let you have an authorized inspector check it, at your expense, before requiring a new roof, and age alone cannot end the policy if that inspection finds 5 or more years of useful life left.

Mobile homes, 768 of Bushnell's 1,524 housing units, sit outside that law: a Florida Senate staff analysis notes that it does not apply to mobile home policies. Citizens Property Insurance still requires a 4-point inspection, covering electrical, plumbing, HVAC and roof, on dwelling and mobile home applications for properties more than 20 years old.

Age puts most of the town past both lines. The median Bushnell home dates to 1983 and 79.6 percent were built before 2000; in 2026, anything built before 2006 is past Citizens' 20-year mark. Citizens also wants proof of five years' remaining life on a soft roof such as shingle older than 25 years, or a hard roof older than 50.

The forms

What a wind mitigation form can record on a 1983 Bushnell house

The state's wind mitigation form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 and stays valid up to five years if nothing material changes. Its first question is the code era, and a 1983 house predates every Florida Building Code edition the form lists, so on an older house the credit-earning answers come from the roof itself:

  • Roof covering: the type and its Florida or Miami-Dade product approval.
  • Deck attachment: graded from A (staples or 6d nails) up to C (8d nails at 6 inches or less in the field).
  • Roof-to-wall: the weakest connection counts, from toenails up through clips and wraps.
  • Roof shape: a hip roof qualifies when non-hip features are no more than 10 percent of the perimeter.
  • Secondary water resistance: plain underlayment does not count; a fully adhered membrane or taped deck seams do.

A re-roof to today's code can change several of those answers at once, because R908.7 brings the deck nailing and the secondary water barrier with it. Sumter County's 135 mph criterion sits in the form's Region 2, though the inspector uses the design speed for your exact address. The state's notice says the discounts apply only to the hurricane-wind part of a policy and are not added together.

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Questions

Roof inspections in Bushnell: questions

Does Florida's 15-year roof law help if my Bushnell home is a mobile home?

No. A Florida Senate staff analysis notes that section 627.7011(5), the law that limits age-based refusals and gives a homeowner an inspection right once a roof turns 15, does not apply to mobile home policies, and 50.4 percent of Bushnell's housing units are mobile homes. Citizens still requires a 4-point inspection on mobile home applications for properties more than 20 years old, so ask your insurer which form it wants.

Source: Fla. Stat. 627.7011 and Senate staff analysis; Citizens Property Insurance.

Related: Roof inspections

What does an inspector look at in a Bushnell attic?

The things you cannot see from the yard: how the roof deck is nailed, what ties the roof to the walls, and whether a secondary water barrier is present, all documented with photos for the wind mitigation form. Florida's home inspector rule adds attic ventilation and insulation. On a Bushnell house from the 1983 median year, those attic answers carry most of the form, because its code-era question has no box for a pre-2002 build.

Source: Citizens 4-point and OIR-B1-1802 forms; Rule 61-30.805, F.A.C.

Related: Roof inspections

Can my insurer drop a Bushnell house because the roof is 20 years old?

Not on age alone while the roof has life left. On a homeowner's policy, a 20-year-old roof can be inspected at your expense before the insurer requires replacement, and 5 or more years of remaining life blocks an age-only refusal or non-renewal (section 627.7011(5)(c)). Citizens draws its own line at 25 years for shingle. With 79.6 percent of Bushnell homes built before 2000, keep your last re-roof permit date handy, and take coverage questions to your insurer or agent.

Source: Fla. Stat. 627.7011(5); Citizens Property Insurance.

Related: Roof inspections

Nearby

Roof inspections near Bushnell

Sources for this page(67)
  1. 1.Owner-occupied share of occupied homes: 75.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Mobile homes, share of housing units: 50.4%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  4. 4.Housing units (ACS 5-year): 1,524. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. 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), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Share of homes built before 2000: 79.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: Sumter County Building Services. Sumter County Building Services. Read Oct 5, 2026.
  9. 9.Sumter County Building Services (FAQ block on the official page). Read Oct 5, 2026.
  10. 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.OIR form. Read Oct 4, 2026.
  14. 14.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  15. 15.OIR form Rev. 01/12 and 04/26. Read Oct 4, 2026.
  16. 16.FBCR Ch. 9. Read Oct 4, 2026.
  17. 17.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  18. 18.Florida Administrative Code, Rule 61-30.805. Read Oct 5, 2026.
  19. 19.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  20. 20.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  22. 22.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  24. 24.Sumter County Building Services, Sumter County. Read Oct 5, 2026. Primary point of contact for building permits and inspections in Bushnell since April 1, 2025 (City of Bushnell release, read 2026-10-05).
  25. 25.City of Bushnell, "City of Bushnell and Sumter County Partner to Deliver Building Services". Read Oct 5, 2026.
  26. 26.Florida Statutes, section 627.7011 (2026) (IN-01). Read Oct 4, 2026. Source URL inherited from RM-15 (the research cites it "as RM-15").
  27. 27.Florida Statutes, section 627.7011 (2026) (IN-02). Read Oct 5, 2026. Source URL inherited from IN-01 (the research cites it "as IN-01").
  28. 28.Florida Statutes, section 627.7011 (2026) (IN-04). Read Oct 4, 2026. Source URL inherited from IN-01 (the research cites it "as IN-01").
  29. 29.Citizens Property Insurance Corporation (IN-06). Read Oct 4, 2026. Research grade: HIGH. The "dated within 12 months" rule appeared only in a search snippet of a Citizens FAQ · LOW.
  30. 30.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17) (CITIZENS-25-50). Read Oct 4, 2026.
  31. 31.OIR form (IN-14). Read Oct 4, 2026. Source URL inherited from RR-22 (the research cites it "as RR-22").
  32. 32.OIR form (IN-15). Read Oct 4, 2026. Source URL inherited from RR-22 (the research cites it "as RR-22").
  33. 33.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (RR-22). Read Oct 4, 2026.
  34. 34.OIR form Rev. 01/12 and 04/26 (RR-34). Read Oct 4, 2026. Source URL inherited from RR-26 (the research cites it "as RR-26").
  35. 35.OIR form (IN-16). Read Oct 5, 2026. Source URL inherited from IN-15 (the research cites it "as IN-15").
  36. 36.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (RR-26). Read Oct 4, 2026. Source URL inherited from RR-22 (the research cites it "as RR-22").
  37. 37.FBCR Ch. 9 (RR-19). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  38. 38.Florida Office of Insurance Regulation (IN-17). Read Oct 5, 2026. Research grade: HIGH (form text; the form is a template, the actual percentages are filled in per insurer)
  39. 39.OIR form (CL-05). Read Oct 4, 2026.
  40. 40.Florida Administrative Code, Rule 61-30.805 (IN-21). Read Oct 5, 2026.
  41. 41.Citizens Property Insurance Corporation (IN-22). Read Oct 5, 2026. Research grade: HIGH (as a description of the forms) Source URL inherited from IN-08 (the research cites it "as IN-08").
  42. 42.Florida Statutes, section 627.0629 (2026) (IN-11). Read Oct 4, 2026.
  43. 43.Wikipedia, "Bushnell, Florida" (revision 1374653288), Wikipedia. Read Oct 5, 2026.
  44. 44.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.
  45. 45.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  46. 46.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  47. 47.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  48. 48.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  49. 49.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  50. 50.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau. Read Oct 5, 2026.
  51. 51.Wikipedia, "Sumter County, Florida" (revision 1375309312), Wikipedia. Read Oct 5, 2026.
  52. 52.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4280, FEMA. Read Oct 5, 2026.
  53. 53.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  54. 54.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  55. 55.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  56. 56.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the Bushnell 2020 Census internal point, NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10-year 9.44 in/hr; 60-minute 10-year 2.81 in/hr; 60-minute 100-year 3.91 in/hr
  57. 57.Senate SB 808 staff analysis pp. 3-4 (RR-05). Read Oct 5, 2026. Research grade: HIGH (as a statement of the Senate staff) Source URL inherited from RR-02 (the research cites it "as RR-02").
  58. 58.FBCR Ch. 9 (RR-35). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  59. 59.FBCR Ch. 9 (RR-36). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  60. 60.Florida Building Commission, "Florida Building Code Effective Dates" (RR-04). Read Oct 5, 2026.
  61. 61.Florida Statutes, section 215.5586 (2026) (IN-19). Read Oct 4, 2026.
  62. 62.FBC-B 2023 Ch. 1 (RR-09). Read Oct 5, 2026. Source URL inherited from RR-08 (the research cites it "as RR-08").
  63. 63.FBC-B 2023 Ch. 1 (RR-10). Read Oct 5, 2026. Source URL inherited from RR-08 (the research cites it "as RR-08").
  64. 64.Miami-Dade County RER notice (C-2). Read Oct 5, 2026.
  65. 65.Florida Statutes, section 627.7011 (2026) (RM-15). Read Oct 4, 2026.
  66. 66.FBC-Building 2023 Chapter 2 definitions (C-4). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  67. 67.FBCR Ch. 9 (SH-03). Read Oct 5, 2026. Source URL inherited from SH-02 (the research cites it "as SH-02").

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Roof inspections in Bushnell

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