Roof repair in High Springs, FL

Florida limits patch repairs to 25 percent of a roof or roof section across any 12-month stretch. When the repaired area passes that share, the whole roof or section must be replaced or recovered. A roof that itself met the 2007 Florida Building Code or a later edition gets a break: only the part you repair must meet current code. A High Springs roofer should ask for that roof's record.

About 29 percent of High Springs homes were built in 2010 or later, against 13 percent countywide. A home's build year does not tell you its roof's code edition, so ask for the roof's own record. About 13.6 percent of housing here is mobile homes, which follow the HUD code, not the Florida Building Code.

For a small repair, the City of High Springs Building Department decides whether a permit is needed. Under the code, ordinary minor repairs can be approved by the building official without a permit. Ask the department before work starts.

Stay on the ground and look over the roof from underneath. Photograph missing shingles, fallen limbs and ceiling stains. Move belongings out from under any leak, and keep the date of the storm.

Questions about coverage or deadlines go to your insurer or agent. By statute, a new claim notice must reach the insurer within 1 year of the loss. A roofer may not interpret your policy or offer you anything of value for an inspection or claim.