Roof inspections in Broward
Which roof inspection do you need?
4-point inspection: roof, electrical, plumbing and HVAC. Many insurers want one on older homes before they'll write or renew a policy. Wind mitigation inspection: the state's uniform form (OIR-B1-1802) documents features like roof deck attachment, roof-to-wall connections, roof shape and a secondary water barrier, which can earn windstorm premium credits. Roof certification: an estimate of the roof's remaining useful life.
Florida law says an insurer can't refuse to write or renew a homeowners policy solely because the roof is less than 15 years old. For roofs 15 years or older, an inspection by an authorized inspector showing at least five years of useful life left can keep the roof insurable.
Insurance forms have to be signed by a qualified licensed professional. I look at the roof first, tell you what to expect, and coordinate the right inspector or contractor from my network.
- 4-point covers
- Roof, electrical, plumbing and HVAC
- Wind mitigation form
- OIR-B1-1802
- Roof under 15 years
- Can't be refused solely for age
- Roof 15 years or older
- Inspection showing 5+ years of life left can help
Broward building code
What Broward inspections look at
The same roof can pass one inspection and raise questions on another. These are the points that matter most for Broward homeowners.
Credits you may be missing
Roof-to-wall clips or straps, deck nailing, a hip roof shape, a secondary water barrier and opening protection can each lower your windstorm premium when they're documented.
The 15-year line
Under 15 years, age alone can't be the reason for a non-renewal. At 15 or older, remaining useful life is what the insurer looks at.
Know before closing
Roof age, permit history and remaining life affect both the price and whether the buyer can get insurance.
Open permits cause trouble
I check your roof's permit history with the city. Unpermitted or never-closed roof permits cause problems with insurers and at closing.
General information, not legal, engineering or insurance advice. Your city's building department and your policy have the final word. Read the full Broward code guide →
Process
How it works
Send me the letter
Your insurer's letter or the inspection report you already have.
Look at the roof
Condition, age, permit history and what an inspector will see.
The right paperwork
A qualified licensed professional from my network completes the forms.
Clear next step
Keep, repair or replace, with costs, so you can answer your insurer.
Questions
Roof inspections questions from Broward homeowners
What's the difference between a 4-point and a wind mitigation inspection?
A 4-point inspection checks the condition of the roof, electrical, plumbing and HVAC, and is often required on older homes. A wind mitigation inspection documents the features that help your home resist wind, and it can lower your premium.
My roof is over 15 years old. Can I keep my insurance?
Often, yes. If an authorized inspection shows at least five years of useful life left, the roof's age alone shouldn't keep you from coverage. If the roof really is near the end, you'll know your replacement options and costs before you spend anything.
Can a wind mitigation inspection lower my premium?
It can. Documented features like roof-to-wall clips or straps, proper deck nailing, a hip roof and a secondary water barrier can each earn credits. A new roof in Broward usually adds some of these features, so it's worth a new inspection after a re-roof.
Do you help home buyers and sellers?
Yes. Knowing the roof's age, permit history and remaining life before closing avoids surprises with price and insurance. See roofs and real estate.
Where I work
Roof inspections in every Broward city
Pick your city for local permit, HOA and neighborhood notes.
Coastal Broward
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Other ways I can help
Free estimate
Talk to Oscar about your roof
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