Roofing Guides
A 4-point inspection tells an insurer whether your home is insurable. A wind mitigation inspection documents wind-resistant features that can earn insurance discounts. A roof inspection checks your roof’s condition and how much life it has left. They answer different
A 4-point inspection in Florida is a limited inspection of four home systems: the roof, electrical, plumbing and heating and cooling (HVAC). Insurance companies use it to decide whether to issue or renew a homeowners policy, usually on older homes.
In Florida, an architectural shingle roof usually lasts about 15 to 25 years, a 3-tab shingle roof less. Tile roofs can last 50 years or more, but the underlayment beneath the tiles often needs replacing around 20 to 25 years.
Repair your roof when the damage is limited to one area, the decking underneath is solid and the roof has years of life left. Replace it when the roof is near the end of its life, the damage covers several
In Florida, have your roof checked twice a year: once in spring before hurricane season starts on June 1, and once in late fall after it ends on November 30. Add an inspection after any storm with strong wind or
There is no Florida law that makes you replace your roof at 15 years. Florida law says an insurer can’t refuse or non-renew your homeowners policy solely because your roof is under 15 years old. If your roof is 15
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