How To Look At A House
McGarry and Madsen's home inspection blog for buyers of
site-built, mobile/manufactured and modular homes
Is a roof inspection mandatory in Florida for insurance?
Saturday, February 1, 2020
Not all homes, but ones with an older roof will need a roof inspection by a licensed home inspector or roofer to renew or get new homeowner’s insurance. Citizen’s Insurance of Florida requires a roof inspection report that verifies at least three years of remaining life for homes with shingle or similar roofs that are older than 25 years. Tile, slate, clay, concrete, or metal roofs do not need inspection until over 50 years old. Verification that the roof has recently been replaced is also acceptable, and providing a copy of a closed roofing permit for the home is one way to do it.
Here is how Citizens Insurance states their policy for requiring inspection of older roofs:
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