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Re-roofs ยท Margate

Roof replacement in Margate, FL

The median Margate home was built in 1978, so many roofs here are old enough that owners should check them before the next storm season. The city issues roof permits through its Building Department, and a replacement here runs through a formal permit and inspection process. The rules that apply are set by state law and the Florida Building Code.

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Updated October 2026

Green park with a red playground structure, shaded picnic tables under a wooden pavilion, and a paved parking lane.
Drone view of a single-story home mid re-roof: part of the roof stripped to white synthetic underlayment, the rest still in gray shingles, a dump trailer of debris and a pickup in the driveway.Our work
Photo: Margate Serino Park by City of Margate, CC BY 4.0, cropped

Margate figures this page uses

Share of homes built before 1980
58.8%
Share of homes built 2010 or later
3.7%
Owner-occupied share of occupied homes
77.2%
Median year homes were built
1978

Housing age

Why Margate's 1978 housing stock matters for a re-roof

About 58.8 percent of Margate homes were built before 1980, and only 3.7 percent were built in 2010 or later. That suggests many original roofs are now well past their expected service life.

Most Margate owners are the people living in the home. About 77.2 percent of occupied homes are owner-occupied, so the decision to replace usually rests with you, not a landlord.

Permits and rules

What a Florida re-roof triggers here

A roof replacement in Margate needs a permit from the City of Margate Building Department, which the city lists on its official page. Confirm the current application process with that office before work begins.

Under the 25 percent rule, no more than 25 percent of a roof can be repaired or replaced in any 12-month period unless the entire roof covering is replaced. If your existing roof was built or repaired to the 2007 Florida Building Code or later, only the repaired part must meet current code.

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Questions

Roof replacement in Margate: questions

Does the 25 percent rule apply to my Margate roof?

It applies to any existing roof in Margate that is repaired or replaced in part. If more than 25 percent of the roof area is redone within 12 months, the entire covering generally must be replaced. The exception for roofs built to the 2007 Florida Building Code means only the repaired section must meet current code. Confirm your roof's history with the Margate Building Department before you plan the work.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

Can an insurance company refuse to cover an older Florida roof?

Florida law does not let an insurer refuse or non-renew a homeowner's policy solely because the roof is less than 15 years old. In Margate, where 58.8 percent of homes predate 1980, many owners will have roofs past that threshold. Once a roof reaches 15 years, the insurer must let the homeowner have an authorized inspector check it at the homeowner's expense, and it may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. If that inspection shows at least five years of useful life remaining, the insurer may not refuse to renew solely for age. Check details with your insurance agent.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof replacement

Who issues roof permits in Margate?

Margate's Building Department handles roof permits through the city, which is the office to call with questions about your project. State law requires a roofing permit application to be completed and signed by a licensed contractor in certain areas, so ask the office what documents you need before you file.

Source: City of Margate - Building Department, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near Margate

Sources for this page(27)
  1. 1.Share of homes built before 1980: 58.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 3.7%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Owner-occupied share of occupied homes: 77.2% (18,748 of 24,297). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Permit office: City of Margate - Building Department. City of Margate - Building Department. Read Oct 10, 2026.
  7. 7.Median year homes were built: 1978. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  9. 9.2023 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).
  10. 10.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  13. 13.City of Margate - Building Department, margatefl.com. Read Oct 5, 2026.
  14. 14.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  15. 15.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  16. 16.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  17. 17.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), Florida Building Commission. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  19. 19.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  20. 20.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Margate 2020 Census internal point (26.2480, -80.2112), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  24. 24.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  25. 25.Wikipedia, 'Margate, Florida' (revision 1376411125), Wikipedia. Read Oct 5, 2026.
  26. 26.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  27. 27.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof replacement in Margate

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