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Inspections ยท Wildwood

Roof inspections in Wildwood, FL

Three of every four Wildwood homes, 74.8%, were built in 2010 or later, so most original roofs here sit close to or under Florida's 15-year line. Roof inspections in Wildwood are less about proving an old roof has life left and more about documenting a newer one for wind discounts.

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Updated October 2026

Two-story brick government building with white columns and a round fountain in front, 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: Wildwood city hall and fountain wildwood florida by Connor J. Williams, CC BY 3.0, cropped

Wildwood figures this page uses

Share of homes built 2010 or later
74.8%
Share of homes built before 2000
19.5%
Mobile homes, share of housing units
9.2%
Median year homes were built
2017

Local know-how

A young housing stock and the wind mitigation form

Florida requires insurers to offer discounts, credits or deductible reductions for construction that reduces windstorm loss, from roof strength to roof-to-wall connections (Fla. Stat. 627.0629). The wind mitigation form, OIR-B1-1802, is how a home proves those features.

On a home built since 2010, the form's first question, the building code era, usually lands in the 2007-and-later box. It then asks the wind region from your address's ASCE 7-22 speed, the roof covering, deck attachment, roof-to-wall connections, roof shape and secondary water barrier. On that form, 130 to 139 mph is Region 2; Sumter County's design criterion is 135 mph.

The state's own notice says the discounts apply only to the hurricane-wind portion of a policy and are not calculated cumulatively. It names securing the roof and protecting windows as the two most cost-effective measures.

Older homes

Wildwood's pre-2000 homes and mobile homes

The 19.5% of Wildwood homes built before 2000 face a different set of forms. Citizens requires a 4-point inspection, covering electrical, plumbing, HVAC and roof, on any application for a property more than 20 years old, and a shingle roof older than 25 years needs documentation of at least five years of remaining life.

For roofs 15 years or older, Fla. Stat. 627.7011(5) lets you have an authorized inspector check the roof at your expense before an insurer can require replacement. Senate staff note the rule does not cover mobile home policies, which matters for the 9.2% of Wildwood housing that is mobile homes.

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Questions

Roof inspections in Wildwood: questions

What does a wind mitigation inspection do for a Wildwood home?

It documents the features that earn the wind-loss discounts Florida insurers must offer. The current form, OIR-B1-1802 Rev. 04/26, took effect April 1, 2026 and stays valid up to five years if nothing material changes. With half of Wildwood's homes built in 2017 or later, the code-era answer is usually the newer one; deck nailing and roof-to-wall connectors still have to be seen in the attic. Ask your insurer how it applies the credits.

Source: Florida OIR.

Related: Roof inspections

Does the 15-year roof rule help a Wildwood home with a 2010 roof?

Yes, in part. A roof put on in 2010 is 16 years old in 2026, so it is past the 15-year mark, but Fla. Stat. 627.7011(5) still protects you. Your insurer must let you have an authorized inspector check the roof at your expense before requiring replacement. It cannot refuse or non-renew for roof age alone if the inspection shows 5 or more years of useful life left. Wildwood's median year homes were built is 2017, so many roofs here are newer than the 15-year mark.

Related: Roof inspections

What does a roof inspector look at on a Wildwood home?

Florida's home inspector standards cover the visible roofing, flashings, skylights, chimneys and penetrations, drainage, attic ventilation and insulation, and allow skipping a roof too steep or wet to walk. A roofer working from an insurer's forms adds the covering's age, remaining life, permit history, damage list and, for wind mitigation, attic items like deck nailing and roof-to-wall connectors. Sumter County's permit file supplies the dates.

Source: Rule 61-30.805, F.A.C.

Related: Roof inspections

Nearby

Roof inspections near Wildwood

Sources for this page(38)
  1. 1.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.Sumter County Building Services (FAQ block on the official page). Read Oct 5, 2026.
  3. 3.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.
  4. 4.Share of homes built 2010 or later: 74.8%. 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.
  5. 5.Share of homes built before 2000: 19.5%. 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: 9.2%. 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.Median year homes were built: 2017. 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.
  9. 9.Florida Statutes, section 627.0629 (2026). Read Oct 4, 2026.
  10. 10.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  11. 11.OIR form. Read Oct 4, 2026.
  12. 12.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  13. 13.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  16. 16.Florida Administrative Code, Rule 61-30.805. Read Oct 5, 2026.
  17. 17.Citizens Property Insurance Corporation. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 627.0629 (2026) (IN-11). Read Oct 4, 2026.
  19. 19.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26) (OIR-B1-1802). Read Oct 4, 2026.
  20. 20.OIR form (IN-15). Read Oct 4, 2026.
  21. 21.OIR form (CL-05). Read Oct 4, 2026.
  22. 22.Florida Office of Insurance Regulation (IN-17). Read Oct 5, 2026.
  23. 23.Citizens Property Insurance Corporation (IN-06). Read Oct 4, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17) (CITIZENS-25-50). Read Oct 4, 2026.
  25. 25.Florida Statutes, section 627.7011 (2026) (FS-627.7011(5)). Read Oct 4, 2026.
  26. 26.Florida Statutes, section 627.7011 (2026) (IN-02). Read Oct 5, 2026.
  27. 27.Florida Statutes, section 627.7011 (2026) (IN-04). Read Oct 4, 2026.
  28. 28.OIR form (IN-14). Read Oct 4, 2026.
  29. 29.Florida Administrative Code, Rule 61-30.805 (IN-21). Read Oct 5, 2026.
  30. 30.Citizens Property Insurance Corporation (IN-22). Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the Wildwood 2020 Census internal point, NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10-year 9.43 in/hr; 60-minute 10-year 2.83 in/hr; 60-minute 100-year 3.94 in/hr
  32. 32.Florida Statutes, section 553.844 (2026) (FS-553.844(5)). Read Oct 5, 2026.
  33. 33.Florida Building Commission, "Florida Building Code Effective Dates" (RR-04). Read Oct 5, 2026.
  34. 34.Senate SB 808 staff analysis pp. 3-4 (RR-05). Read Oct 5, 2026.
  35. 35.FBCR Ch. 9 (RR-19). Read Oct 4, 2026.
  36. 36.FBCR Ch. 9 (RR-20). Read Oct 5, 2026.
  37. 37.FBCR Ch. 9 (RR-25). Read Oct 5, 2026.
  38. 38.Miami-Dade County RER notice (C-2). Read Oct 5, 2026.

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Roof inspections in Wildwood

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