Skip to content

Inspections ยท The Villages

Roof inspections in The Villages, FL

Only 33.4% of homes in The Villages were built in 2010 or later, so on two of every three, an original roof is now past 15 years old. Past that age, Florida law lets you have the roof inspected before an insurer can require a new one. Roof inspections in The Villages answer the forms insurers actually send.

Request a quote407-242-2840

Updated October 2026

Stone arch entrance bridge spanning a multi-lane road under a clear blue sky, with a The Villages sign.
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: Spanish springs entrance arch the villages florida by Connor J. Williams, CC BY 3.0, cropped

The Villages figures this page uses

Share of homes built 2010 or later
33.4%
Median year homes were built
2007
Share of homes built before 2000
15.9%
Mobile homes, share of housing units
1%

Local know-how

Villages build years against Florida's 15-year line

Florida bars insurers from refusing or non-renewing a homeowner's policy solely because the roof is under 15 years old (Fla. Stat. 627.7011(5)(b)). Once a roof reaches 15, the insurer must let you have it checked by an authorized inspector, at your expense, before requiring replacement. If that inspection shows five or more years of useful life left, age alone cannot end the policy.

The roof's age is not the house's age. For insurance it runs from the last date 100% of the roof was built or replaced. In The Villages, where the median home dates to 2007 and 15.9% were built before 2000, the county permit date is the proof an inspector will ask for.

The rule covers policies issued or renewed on or after July 1, 2022. Florida Senate staff note it does not apply to mobile home policies; mobile homes are about 1% of the housing here, 565 units.

The forms

Three forms Villages homeowners get asked for

  1. 01

    4-point inspection

    Citizens requires one on any application for a property more than 20 years old: electrical, plumbing, HVAC and roof. The roof section records the covering, age, remaining useful life, last permit date and condition, with photos of each slope.

  2. 02

    Roof condition documentation

    Citizens' roof-age line is 25 years for shingle and other soft roofs and 50 for tile, metal and other hard roofs. Older roofs need documentation of at least five years of remaining life.

  3. 03

    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. It asks the code era, wind region, roof covering, deck attachment, roof-to-wall connections, roof shape and whether a secondary water barrier is present.

Sumter County lists 135 mph as its design wind criterion. On the wind form, 130 to 139 mph is Region 2, but the form wants the speed for your exact address from the ASCE 7-22 hazard tool.

Request a quote

Questions

Roof inspections in The Villages: questions

How long is a wind mitigation inspection good for in The Villages?

Up to five years. The current form, OIR-B1-1802 Rev. 04/26, effective April 1, 2026, stays valid for five years as long as no material changes are made to the structure and no errors turn up on it. After a re-roof, a new form can record the new deck nailing and secondary water barrier. In Sumter County, the form's wind region comes from your address's design speed; the county lists 135 mph as its criterion.

Source: Florida OIR, form OIR-B1-1802.

Related: Roof inspections

What will fail a 4-point inspection on a Villages roof?

The roof section flags the damage list Citizens asks inspectors to check: cracking, cupping or curling, heavy granule loss, exposed asphalt or felt, missing or loose tabs, soft decking, hail marks and leaks seen in the attic or on ceilings. Citizens requires the 4-point for any property more than 20 years old, which in 2026 takes in every Villages home built before 2006, including the 15.9% built before 2000. Ask your insurer what it will accept.

Source: Citizens Property Insurance.

Related: Roof inspections

Can a Villages home use the My Safe Florida Home program?

Some can, if the program is taking applications. Fla. Stat. 215.5586 runs it through the state's Department of Financial Services: inspections are for site-built, owner-occupied single-family homes with a homestead exemption, and grants carry more conditions, including a build date before 2008. Half of Villages homes were built in 2007 or earlier and 93.3% of occupied ones are owner-occupied, but the statute says the program creates no entitlement, and its site did not say on October 5, 2026 whether applications were open.

Source: Fla. Stat. 215.5586.

Related: Roof inspections

Nearby

Roof inspections near The Villages

Sources for this page(42)
  1. 1.Sumter County Building Services (FAQ block on the official page). Read Oct 5, 2026.
  2. 2.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.
  3. 3.Share of homes built 2010 or later: 33.4%. 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.
  4. 4.Median year homes were built: 2007. 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.
  5. 5.Share of homes built before 2000: 15.9%. 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.
  6. 6.Mobile homes, share of housing units: 1%. 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.
  7. 7.Permit office: Sumter County Building Services. Sumter County Building Services. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  9. 9.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  10. 10.Insp4pt 03 25. Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  12. 12.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  13. 13.OIR form. Read Oct 4, 2026.
  14. 14.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026) (FS-627.7011(5)). Read Oct 4, 2026.
  16. 16.Florida Statutes, section 627.7011 (2026) (IN-02). Read Oct 5, 2026.
  17. 17.Florida Statutes, section 627.7011 (2026) (IN-04). Read Oct 4, 2026.
  18. 18.Citizens Property Insurance Corporation (IN-06). Read Oct 4, 2026.
  19. 19.Insp4pt 03 25 (IN-08). Read Oct 4, 2026.
  20. 20.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17) (CITIZENS-25-50). Read Oct 4, 2026.
  21. 21.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26) (OIR-B1-1802). Read Oct 4, 2026.
  22. 22.OIR form (IN-15). Read Oct 4, 2026.
  23. 23.OIR form (CL-05). Read Oct 4, 2026.
  24. 24.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25 (RM-08). Read Oct 4, 2026.
  25. 25.Florida Statutes, section 215.5586 (2026) (IN-19). Read Oct 4, 2026.
  26. 26.My Safe Florida Home program (IN-20). Read Oct 5, 2026.
  27. 27.Census Reporter, The Villages CDP parent geographies (TIGER 2023): 88.3% of the CDP's area in Sumter County, 11.7% in Marion County, Census Reporter (U.S. Census Bureau TIGER/Line 2023). Read Oct 5, 2026.
  28. 28.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at The Villages 2020 Census internal point, NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10-year 9.52 in/hr; 60-minute 10-year 2.83 in/hr; 60-minute 100-year 3.96 in/hr
  29. 29.National Roofing Contractors Association (C-16). Read Oct 5, 2026.
  30. 30.Florida Building Commission, "Florida Building Code Effective Dates" (RR-04). Read Oct 5, 2026.
  31. 31.Florida Statutes, section 553.844 (2026) (FS-553.844(5)). Read Oct 5, 2026.
  32. 32.FBC-B 2023 Ch. 1 (RR-09). Read Oct 5, 2026.
  33. 33.FBC-B 2023 Ch. 1 (RR-10). Read Oct 5, 2026.
  34. 34.Miami-Dade County RER notice (C-2). Read Oct 5, 2026.
  35. 35.ICC Building Safety Journal, Karl Fippinger, 2024-02-07 (RM-04). Read Oct 5, 2026.
  36. 36.eng.ufl.edu (RR-41). Read Oct 5, 2026.
  37. 37.Florida Solar Energy Center (CL-06). Read Oct 5, 2026.
  38. 38.Florida Statutes, section 489.147 (2026) (RR-44). Read Oct 4, 2026.
  39. 39.Florida Statutes, section 489.147 (2026) (RR-45). Read Oct 5, 2026.
  40. 40.Florida Statutes, section 489.147 (2026) (RR-46). Read Oct 5, 2026.
  41. 41.Florida Statutes, section 713.135 (2026) (C-12). Read Oct 5, 2026.
  42. 42.FEMA FL-RA2 (RM-02). Read Oct 5, 2026.

South Fork Roofing

Roof inspections in The Villages

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote