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Inspections ยท Webster

Roof inspections in Webster, FL

Only 12.2 percent of Webster's homes were built in 2010 or later, so on most houses in town an original roof would now be more than 15 years old. Fifteen is where Florida's roof-age law stops shielding a roof from age-based refusals and starts giving you the right to have it inspected before an insurer can require a new one.

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Updated October 2026

Small historic brick bank building with a tall arched entrance, shrubs and a parked dark vehicle at left.
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: Webster FL old State Bank03 by Ebyabe, CC BY-SA 3.0, cropped

Webster figures this page uses

Share of homes built 2010 or later
12.2%
Owner-occupied share of occupied homes
69.5%
Mobile homes, share of housing units
24.9%
Median year homes were built
1981

Local know-how

Webster roofs and the 15-year line

Under 15 years, an insurer may not refuse to issue or renew a homeowner policy solely because of the roof's age. At 15 or older, it must let you have an authorized inspector check the roof at your expense before requiring replacement, and if that inspection shows 5 or more years of useful life left, age alone cannot cost you the policy (section 627.7011(5)).

The statute's list of authorized inspectors, each also accepted by the insurer, covers home inspectors under section 468.8314, building code inspectors under 468.607, general, building and residential contractors under 489.111, roofing contractors, engineers, architects and anyone else the insurer recognizes as qualified.

In Webster, 69.5 percent of occupied homes are owner-occupied and 24.9 percent of all housing units are mobile homes. Senate staff note the 15-year rule does not reach mobile home policies, so those owners should ask their insurer how roof age is handled.

Forms

The forms a Webster inspection fills out

Most inspections here feed one of three documents. The 4-point form records the roof covering, its age and remaining life, the last permit date and any damage, and with photos of each slope it can stand in for Citizens' separate roof form. Citizens' Roof Inspection Form itself must be signed by a contractor, a building code inspector or a home inspector, with photos of each slope. The wind mitigation form, OIR-B1-1802 (Rev. 04/26), is valid for up to five years if nothing material changes.

Two details on the wind form surprise people. A roof counts as hip only if non-hip features make up no more than 10 percent of its perimeter, and plain underlayment or hot-mopped felt does not count as a secondary water barrier.

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Questions

Roof inspections in Webster: questions

Who can inspect my Webster roof for my insurer?

Anyone on the statute's list whom your insurer accepts: a home inspector under section 468.8314, a building code inspector under 468.607, a general, building or residential contractor under 489.111, a roofing contractor, a professional engineer, an architect, or another person the insurer recognizes as qualified. The inspection is at your expense. Webster's median home dates to 1981, so the inspector will usually be judging a roof on an older deck, and a permit history from Sumter County Building Services helps establish the roof's age.

Source: Fla. Stat. 627.7011(5)(a), read October 5, 2026.

Related: Roof inspections

My Webster roof is 16 years old. Can my insurer drop me?

Not for age alone, if an inspection shows life left. Once a roof reaches 15 years, section 627.7011(5) requires the insurer to let you have it inspected, at your expense, by an authorized inspector before it can require replacement, and it may not refuse to renew solely because of age if the inspection shows 5 or more years of useful life remaining. The rule covers homeowner policies issued or renewed since July 1, 2022; Senate staff note it does not apply to mobile home policies, which matter here because 24.9 percent of Webster's housing units are mobile homes.

Source: Fla. Stat. 627.7011, read October 4, 2026.

Related: Roof inspections

How long is a wind mitigation report good for in Webster?

Up to five years, as long as no material changes are made to the house and no inaccuracies turn up on the form. The current form, OIR-B1-1802 (Rev. 04/26), took effect April 1, 2026 under Rule 69O-170.0155. A re-roof changes roof items the form grades, so a Webster owner who replaces a roof under a Sumter County Building Services permit has reason to ask the insurer about a fresh form.

Source: Florida Office of Insurance Regulation, OIR-B1-1802 (Rev. 04/26), read October 4, 2026.

Related: Roof inspections

Nearby

Roof inspections near Webster

Sources for this page(42)
  1. 1.Share of homes built 2010 or later: 12.2%. 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.
  2. 2.Owner-occupied share of occupied homes: 69.5%. 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.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.
  4. 4.Mobile homes, share of housing units: 24.9%. 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.
  5. 5.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.
  6. 6.Median year homes were built: 1981. 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.Permit office: Sumter County Building Services. Sumter County Building Services. Read Oct 5, 2026.
  8. 8.City of Bushnell, "City of Bushnell and Sumter County Partner to Deliver Building Services". Read Oct 5, 2026.
  9. 9.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  10. 10.Insp4pt 03 25. Read Oct 4, 2026.
  11. 11.Citizens Property Insurance Corporation. Read Oct 5, 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.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  15. 15.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.
  16. 16.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.
  17. 17.Sumter County Building Services, Sumter County. Read Oct 5, 2026. Permit office for every city in Sumter County since April 1, 2025 (City of Bushnell release, read 2026-10-05).
  18. 18.Wikipedia, "Webster, Florida" (revision 1377166299), Wikipedia. Read Oct 5, 2026.
  19. 19.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  20. 20.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.
  21. 21.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.
  22. 22.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.
  23. 23.Sumter County Building Services (FAQ block on the official page), Sumter County. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4280, FEMA. Read Oct 5, 2026.
  26. 26.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  27. 27.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
  28. 28.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680, FEMA. Read Oct 5, 2026.
  29. 29.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4734, FEMA. Read Oct 5, 2026.
  30. 30.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4806, FEMA. Read Oct 5, 2026.
  31. 31.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4828, FEMA. Read Oct 5, 2026.
  32. 32.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  33. 33.Wikipedia, "Sumter County, Florida" (revision 1375309312), Wikipedia. Read Oct 5, 2026.
  34. 34.Florida Building Commission, "Florida Building Code Effective Dates", Florida Building Commission. Read Oct 5, 2026.
  35. 35.Florida Statutes, section 553.844 (2026), Florida Legislature. Read Oct 5, 2026.
  36. 36.FBCR Ch. 9, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  37. 37.FBC-Building 2023 Chapter 2 definitions, UpCodes (Florida Building Code transcription). Read Oct 5, 2026. Unofficial transcription (UpCodes); verify on floridabuilding.org.
  38. 38.FBCR 2023 Ch. 9, International Code Council (Florida Building Commission). Read Oct 4, 2026.
  39. 39.FBCR Ch. 8, International Code Council (Florida Building Commission). Read Oct 5, 2026.
  40. 40.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026.
  41. 41.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, FRSA. Read Oct 5, 2026.
  42. 42.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026.

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Roof inspections in Webster

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