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Clermont's "new" houses have 20-year-old roofs
Clermont grew fast in one specific window, and the roofs from that window are now aging in a group. The American Community Survey puts the city at 46,853 people in 19,445 housing units with a median build year of 2006, a median home value of $418,400 and 68.1 percent owner-occupied. Manufactured homes are only about 2 percent of the stock, which is the opposite of Leesburg. Clermont is a site-built, subdivision, HOA town, and its roofs fail the way subdivision roofs fail: a whole street at once.
| Community | Built | Roof age in 2026 | Where the insurance thresholds fall |
|---|---|---|---|
| Greater Hills | 1989 to 1999 | 27 to 37 years (if original) | Past the 15-year statute point and the 20-year four-point point; original shingle past Citizens' 25-year line |
| Kings Ridge | 1995 to 2000 | 26 to 31 years (if original) | Same: most original roofs here have already been replaced once or are overdue |
| Weston Hills, Louisa Pointe, Hills of Clermont | 1997 to 2003 | 23 to 29 years | Past 15 and 20; approaching or past 25 |
| Legends, Skyridge Valley, Summit Greens | 2000 to 2006 (Legends to about 2014) | 20 to 26 years on the early phases | Crossing the 20-year four-point line now |
| Hartwood Reserve, Southern Fields, Overlook at Lake Louisa | 2005 to 2010 | 16 to 21 years | Past 15; the first ones hit 20 this year |
| Heritage Hills, Vista Grande | 2007 to 2023 | 3 to 19 years | Early phases cross 15 now; later phases are storm-repair territory, not age |
| Esplanade at Highland Ranch, Johns Lake Landing, Serenoa, Waterbrooke | 2014 to 2025 | 1 to 12 years | Builder-warranty and storm questions only |
The thresholds in that right-hand column come from two places. Florida Statute 627.7011(5) says an insurer may not refuse to write or renew a policy solely because a roof is under 15 years old; once it passes 15, you can get an inspection showing at least five years of useful life and the carrier may not refuse on age alone. Licensed roofing contractors are among the inspectors the statute names. Citizens adds its own rules: a four-point inspection on homes over 20 years old, and documentation of five-plus years of remaining life on shingle roofs over 25 years old (50 for tile and metal). Our free roof inspection in Clermont page explains which report answers which letter.