Florida roof inspection report template

Set up for Florida

• An authorized inspector is one approved by the insurer who is a licensed home inspector, a certified building code inspector, a licensed general, building or residential contractor or a roofing contractor, a licensed professional engineer, a licensed architect, or another person or entity the insurer recognizes as qualified to complete a general inspection of an insured residential structureFla. Stat. 627.7011 (5) (a) (2026)
• A roof's age is counted from the last date on which 100 percent of the roof's surface area was built or replaced under the building code then in effect, or from the first date of a partial replacement when later partial replacements together covered 100 percent of the roofFla. Stat. 627.7011 (5) (d) (2026)

Also required in Florida

These rules are about how and when you report, not the template's fields. Check them before you deliver.

• An insurer may not refuse to issue or refuse to renew a homeowner's policy on a residential structure with a roof less than 15 years old solely because of the roof's ageFla. Stat. 627.7011 (5) (b) (2026)
• For a roof at least 15 years old, the insurer must let the homeowner have a roof inspection by an authorized inspector, at the homeowner's expense, before requiring the roof to be replaced as a condition of issuing or renewing a homeowner's policy; if that inspection indicates the roof has 5 years or more of useful life remaining, the insurer may not refuse to issue or renew solely because of the roof's ageFla. Stat. 627.7011 (5) (c) (2026)
• These roof age rules apply to homeowners' insurance policies issued or renewed on or after July 1, 2022; they do not apply to mobile home policies or to policies not commonly understood as homeowners' policiesFla. Stat. 627.7011 (5) (e), (6) (a), (b) (2026)
• When an existing roofing system or roof section was built, repaired or replaced under the 2007 Florida Building Code or a later edition and 25 percent or more of it is being repaired, replaced or recovered, only the portion being repaired, replaced or recovered has to meet the Florida Building Code in effect; local governments may not amend this exceptionFla. Stat. 553.844 (5) (2026)
• For site-built single-family homes, a roof replacement must incorporate secondary water barrier techniques and the strengthening or correction of roof-decking attachments and fastenersFla. Stat. 553.844 (2) (b) 2., 4., (3) (a) (2026)
• A contractor may not offer a residential property owner a rebate, gift, gift card, cash, coupon, waiver of an insurance deductible or anything else of value in exchange for allowing the contractor to inspect the roof or for making an insurance claim for roof damageFla. Stat. 489.147 (2) (b) (2026)
• A contractor may not interpret policy provisions, advise an insured about coverages or duties under a property insurance policy, or adjust a property insurance claim for the insured, unless the contractor is also a licensed public adjusterFla. Stat. 489.147 (2) (d) (2026)

What is in it

• Roof areasArea or slope, Covering, Pitch, Condition
• Roof coveringMissing, lifted, creased or cracked pieces (wind damage included), Wear for its age: granule loss, curling, cupping or blistering, Hail damage: impacts, bruising and the granule loss they cause, Fasteners, seams and earlier repairs
• Flashing and penetrationsWall, step and counter flashing, Chimney flashing and cricket, Plumbing vents, boots and other penetrations, Skylights, Valleys
• Decking, structure and atticDecking firm underfoot, no soft spots, Ridge and roof lines straight, no sagging, Attic underside: sheathing, stains, daylight, moisture, Attic and roof ventilation
• Gutters, edges and drainageGutters and downspouts attached, sloped and clear, Drip edge, fascia, soffit and rakes, Low-slope drainage: drains, scuppers, no ponding
• Signs of leaks insideCeilings and walls below the roof free of water stains, No active leaks
• Remaining lifeOnly the inspector's own estimate of remaining useful life from the notes and the reasons the notes give for it; leave empty when the notes give no estimate.

Rules last reviewed October 12, 2026. Read the full Florida roof inspection report requirements.