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Re-roofs · Cocoa Beach

Roof replacement in Cocoa Beach, FL

The median home in Cocoa Beach was built in 1975, and 62.3 percent of the housing here predates 1980. That suggests many original roofs were replaced at least once already, and some are due again. A re-roof in Florida triggers a permit, two inspections and specific rules on the deck.

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Updated October 2026

People play beach volleyball on sand near a lifeguard stand, with umbrellas and a dune fence in the foreground.
Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.Our work
Photo: Beaches of Cocoa Beach, Florida in May 2023 by Benoît Prieur, CC0, cropped

Cocoa Beach figures this page uses

Share of homes built 2010 or later
1.8%
Median year homes were built
1975
Share of homes built before 1980
62.3%

Home age

What a 1975 median build year means for your roof

Only 1.8 percent of homes here were built in 2010 or later, against 10.9 percent countywide. Brevard County's median build year is 1988, so Cocoa Beach housing runs about 13 years older by our arithmetic. Your house is more likely to carry old decking and older nailing patterns.

Insurance age rules matter on houses like these. Citizens Property Insurance wants proof of five or more years of remaining life on a shingle roof past 25 years of age, and on a tile, concrete or metal roof past 50. Ask your insurer or agent which test applies to your policy.

Roofs here take wind. A tornado came ashore in Cocoa Beach on Oct. 9, 2024, and caused partial roof loss in one residential area. Hurricane Matthew produced a 77 mph gust here in 2016.

Permit rules

Permit, inspections and the 25 percent rule

The City of Cocoa Beach Building Division issues roof permits for homes inside city limits. Confirm current forms and fees with that office before work starts.

The 25 percent rule says no more than a quarter of a roof or roof section may be repaired or replaced in any 12-month period unless the whole covering is replaced. One exception exists for roofs already done to the 2007 Florida Building Code or a later edition. In that case, current code applies only to the part you are repairing.

A Notice of Commencement must be recorded and posted on the job site before the first inspection. If you skip it, you may end up paying twice for the work. The permit also lapses if work does not start within 6 months, or stops for 6 months.

Under the shingles

Deck work and who may do it

Florida law counts required roof-deck attachment, and repair or replacement of rotted sheathing found during the job, as part of roofing contractor work. Plan for deck repairs on a 1975 house, because you cannot see the wood until the old roof is off.

A general contractor may not hold itself out as a roofing contractor without a roofing certification or registration. Before signing, check the contractor's state license for the roofing category. The State of Florida lookup is the place to do it.

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Questions

Roof replacement in Cocoa Beach: questions

What is the 25% roof rule in Florida?

It limits repair or replacement to 25 percent of a roof or roof section in any 12-month period, unless the whole covering is replaced. If your roof was built or replaced under the 2007 code or later, current code reaches only the part being redone. With a median build year of 1975 here, many Cocoa Beach roofs will not qualify. Ask the Cocoa Beach Building Division how it applies to your house.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035, read Oct 5, 2026

Related: Roof replacement

Who handles roofing permits in Cocoa Beach?

The City of Cocoa Beach Building Division handles them. A new roof needs a permit, and the code requires a Notice of Commencement to be recorded and posted before the first inspection. Call or visit the division to confirm current forms before your contractor files.

Source: City of Cocoa Beach Building Division, read Oct 5, 2026

Related: Roof replacement

Will my insurer require a roof inspection on an older home?

It may. Under Florida law, for a roof 15 years or older, an insurer must let you have an authorized inspector check it at your expense. It may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Most Cocoa Beach housing predates 1980, so ask your insurer or agent what documentation they want.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Does a new roof in Brevard County need the wind speed for my address?

Brevard County publishes address-level building-code wind speed maps by risk category for permitting. Your roofer and the Cocoa Beach Building Division use that design wind speed to set the nailing and attachment requirements. Statewide, the Florida Building Commission product approval search lets you check any roofing product by its FL number before it goes on your house.

Source: Brevard County, Building Code Wind Speed Maps, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near Cocoa Beach

Sources for this page(30)
  1. 1.Share of homes built 2010 or later: 1.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  4. 4.NWS Melbourne, Milton tornado list (CSV). Read Oct 5, 2026.
  5. 5.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  6. 6.Brevard County, Building Code Wind Speed Maps. Read Oct 5, 2026.
  7. 7.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  8. 8.Permit office: City of Cocoa Beach Building Division. City of Cocoa Beach Building Division. Read Oct 10, 2026.
  9. 9.City of West Melbourne, Building Department. Read Oct 5, 2026.
  10. 10.Median year homes were built: 1975. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Share of homes built before 1980: 62.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  14. 14.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  15. 15.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription). Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-3 (the research cites it "as C-3").
  16. 16.Fla. Stat. 489.105(3)(e). Read Oct 5, 2026.
  17. 17.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026.
  18. 18.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  19. 19.Florida Building Commission. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.City of Cocoa Beach Building Division, cityofcocoabeach.com. Read Oct 5, 2026.
  22. 22.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  23. 23.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Cocoa Beach 2020 Census internal point (28.3291, -80.6275), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Cocoa Beach 2020 Census internal point (28.3291, -80.6275), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  29. 29.City of Cocoa Beach, History at a Glance, cityofcocoabeach.com. Read Oct 5, 2026.
  30. 30.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.

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Roof replacement in Cocoa Beach

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