Five years ago I bought a house with a 13 YO roof. Five years and one hurricane later it is a 15 YO roof. I had to do some minimal repairs, costing me less than $15 and an hour of my time. I expect to replace the roof in another four or five years. These houses were built with 25 year shingles. If the house you want to buy was built before 2003 you will need a more thorough inspection to get insurance, to verify the trusses are anchored and the windows meet the Miami-Dade wind mitigation standard. That standard became code in 2003, as I recall. If there is a mortgage, you need insurance to close the sale, and you need a good roof to get insurance. Farmers, purchased through their agent in Orlando, gave me a good price. Seems they are anxious to mitigate their exposure to western wildfires by selling policies in Florida.
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