Roof repair in Coconut Creek, FL

Under the code, no more than 25 percent of a roof or roof section may be repaired within any 12-month period. Repairs beyond that limit mean the whole roof section has to be replaced or recovered. A roof that was itself built, repaired or replaced under the 2007 Florida Building Code or a later edition is treated as an exception. For that roof, only the portion being repaired needs to meet current code. Local governments cannot amend that exception.

Homes here have a median build year of 1989, newer than Broward's 1980. That does not tell you a roof's age or code edition. Check your permit records for the last roof work. Condos and townhouses are common, as the housing mix shows 39.2 percent of homes in buildings of 10 or more units. In those buildings the association usually controls roof work.

A recover over old roofing is barred where the old roof is water soaked, has two or more layers, or cannot meet securement rules. Then the roof must come down to the deck.

In the HVHZ, permits are required for any work on a roofing component, including repair and maintenance. The application must be completed by a licensed contractor and carry the owner's notification form. Repairs must use products with a product approval. Ask the City of Coconut Creek Building Department how it handles small repairs.

When your roof is 15 years or older, you can have an authorized inspector examine it at your own expense, and your insurer must allow that. Age alone is not enough for an insurer to refuse coverage or non-renew, provided the inspection finds 5 or more years of useful life remaining. For how this works under your own policy, ask your insurer or your agent.