Two kinds of Valrico home, two kinds of roof job
Four out of five Valrico homes are lived in by the people who own them, and about the same share are detached houses. Most went up between 1980 and 2009, with a median build year of 1996. Then there are manufactured homes, about one in seven: 14.4% of Valrico’s housing, more than double the 6.5% share county-wide.
Tampa Roofing Guys handles calls about re-roofs, repairs and storm damage for both kinds of home in Valrico. It’s unincorporated Hillsborough County, so the County permits the work. The two jobs start from different places, though, so tell the roofer up front which kind of home it is.
Manufactured home roofs: what to tell the roofer first
Ask whether the roofer works on manufactured homes before anyone drives out. Then give them the basics:
- That it’s a manufactured home, and the year it was made if you know it.
- What’s on top now. Say whether it’s the original roof, a metal roof-over, shingles or a coating, since the fix depends on it.
- Any add-ons with their own roof, like a screened porch, carport or added room, and where they join the home.
- Where the water shows up inside, with photos of the stains and the date you first saw them.
Every manufactured home in the county evacuates with Zone A, so you may not be home when a storm hits (2026 zone changes). Dated photos of the roof and ceilings taken before you leave are the record you’ll want afterward.
One insurance difference to know: Florida’s 15-year roof-age protection covers homeowners policies on site-built houses, and mobile home policies are outside that section of the law. How roof certification works explains the rule for houses.
Is a 1980s, 1990s or 2000s Valrico roof due?
It depends on which decade the house belongs to.
1980s and 1990s houses make up about 44% of Valrico’s homes, and most have likely been re-roofed by now. For these, the date of the current roof is what counts. A re-roof done before the 2007 code is still covered by the 25% rule, and the next re-roof on a house permitted before the Florida Building Code means deck re-nailing and a secondary water barrier (re-roof upgrades for older houses).
2000s houses are a third of Valrico, 32.9%, and they’re the group to watch now. An original roof from those years is 17 to 26 years old in 2026, past the 15-year line in Florida’s roof-age law. Beyond that line, an insurer can’t refuse to renew on age alone if an inspection you pay for finds five or more years of life remaining. The certification guide linked above has the forms and who signs them.
Pre-1980 houses, 15.1% of the total: go by the most recent roof permit, not the build year.
In a Valrico neighborhood like River Hills, the date on the current roof matters more than the year the house went up. Photo: JaconaFrere, CC BY-SA 4.0.
Storm calls after a night like Milton
Milton dropped 11.11 inches of rain at a gauge about 2 miles southeast of Valrico, with gusts across the county reaching 80 to 100 mph. After a storm like that, check the roof from the ground first:
- shingles, ridge caps or pieces of flashing in the yard
- tabs that look lifted, creased or missing from a slope
- metal bent back at the chimney, vents or roof-to-wall joints
- a new ceiling stain, or a damp smell in a closet or near the attic hatch
Stay off the roof. NRCA advises homeowners to inspect only from the ground, because the fall risk without safety gear is too high. Florida’s Department of Financial Services says to photograph damage before any temporary repair and keep every receipt.
Not every storm call follows a hurricane. NWS Tampa Bay forecasters studied hail reports across 17 central Florida counties and found 41.4% were an inch or larger, most often from May through July. Roofing research puts the point where asphalt shingles take real damage at about an inch. After a summer hailstorm, ask the roofer to check the shingles for cracks and punctures, since loose granules alone don’t prove hail damage.
If someone knocks after a storm offering a free roof check, know the rules first. Florida law bars roofers from offering gifts, cash or a waived deductible in exchange for an inspection or for filing a claim, and storm damage roof repair covers what else they can’t do.