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Repairs · Tamarac

Roof repair in Tamarac, FL

Tamarac began in 1963 as lake subdivisions, and the median home now dates to 1981. Roofs from that era fail at flashing, vents and ridge lines first. A repair is often enough, but the 25 percent rule and a Broward permit decide how far a repair can go.

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Updated October 2026

Tall grasses and shrubs in a wet field with palm trees and a pond beneath blue sky.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Tamarac, FL by William “Patrick” Ma…, CC BY-SA 3.0, cropped

Storm damage

Where Tamarac roofs fail in a storm

Hurricane Irma in 2017 put 2-4 feet of surge on coastal Broward and downed trees and power poles across the Miami-Fort Lauderdale area. Tamarac is inland, so wind and falling limbs are the main threats to your roof. Rain is the second: Tropical Storm Eta in 2020 dropped 20.74 inches in Pembroke Pines.

FEMA field teams found that wind-damaged roof covering is a leading source of water intrusion. Lost ridge vents leave large openings in the deck, and one FEMA example house had ceilings collapse from lost ridge shingles and vent alone. Check ridges first, then the damage list below.

  • Cracked, cupped or curled shingles and missing tabs
  • Exposed felt or exposed asphalt where granules wore away
  • Soft spots in the decking
  • Leaks at wall intersections, vent pipes and roof openings, where code requires flashing
  • Stains on attic decking or interior ceilings

The 25% rule

Understanding the 25% rule when deciding between repair and replacement

Under Florida's building code, patching cannot exceed 25 percent of a roof or roof section within any 12-month period. Once repairs go beyond that limit, the entire roof or section has to be replaced or recovered. That is the legal line between repair and replacement in Tamarac.

One exception applies. Where the roof was originally built, repaired or replaced under the 2007 Florida Building Code or a later edition, only the portion being repaired needs to meet current code. Tamarac's housing is mostly older, with 1981 as the median build year, but that says nothing about any one roof. Look up your roof's own permit record.

Broward is in the High Velocity Hurricane Zone, so repairs must use components with a product approval. Replacement is also required where the old roof is water soaked, has two or more coverings, or cannot meet securement rules.

Next steps

Permits and safe steps after a storm

Inside the HVHZ, any work on a roofing component, repair and maintenance included, calls for a permit. The City of Tamarac takes roof permits through its ePermits system. Whether a very small repair counts as minor is the building official's decision, so confirm with the building office before work starts.

Once a storm passes, keep off the roof and take your damage photos from the ground. Tarp only what you can reach safely. Roof insurance questions go to your insurer or agent, and a contractor may not advise you on coverage under Fla. Stat. 489.147.

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Questions

Roof repair in Tamarac: questions

What is the 25% roof rule in Florida?

The rule restricts repairs to 25 percent of a roof or roof section across any 12-month period. Go past that and the whole roof or section must be replaced or recovered to current code. The exception covers a roof built, repaired or replaced to the 2007 Florida Building Code or later: only the repaired part must meet current code. Tamarac's median home was built in 1981, so confirm your roof's permit history with the building office.

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

Related: Roof repair

Do I need a permit to repair my roof in Tamarac?

Probably. Broward County sits within the High Velocity Hurricane Zone, so every job on any roofing component, repairs included, requires a permit. The City of Tamarac handles roof permits through its ePermits system. Ordinary minor repairs may be approved without a permit, but that call belongs to the building official, so ask the city first.

Source: Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), read Oct 5, 2026

Related: Roof repair

Which parts of a Tamarac roof leak first after a storm?

Usually flashing, vents and the ridge. Code requires flashing at wall intersections, slope changes and roof openings, and leaks follow those spots. FEMA notes that lost ridge vents can expose large openings in the deck. With a median build year of 1981 in Tamarac, older flashing and vents are worth checking after Irma-type wind events.

Source: FBCR Ch. 9, read Oct 4, 2026

Related: Roof repair

Does my insurer decide if my 15-year-old roof is replaced?

Not on age alone. For a roof 15 years or older, Fla. Stat. 627.7011(5) lets you have an authorized inspector check it at your expense. When the inspection finds 5 or more years of useful life remaining, an insurer may not refuse coverage or non-renew based only on the roof's age. Many homes in our area are not far from that threshold, since the median year homes were built here is 1981, so plenty of roofs have been through a few replacement cycles. Your insurer or agent can tell you how the rule applies to your particular policy.

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

Related: Roof repair

Nearby

Roof repair near Tamarac

Sources for this page(37)
  1. 1.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  2. 2.Tropical Storm Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta (AL292020). Read Oct 5, 2026.
  3. 3.Hurricane Isaias (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020). Read Oct 5, 2026.
  4. 4.Median year homes were built: 1981. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  7. 7.Permit office: City of Tamarac - Permits & Inspections (ePermits). City of Tamarac - Permits & Inspections (ePermits). Read Oct 10, 2026.
  8. 8.Wikipedia, 'Tamarac, Florida' (revision 1374943843). Read Oct 5, 2026.
  9. 9.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  10. 10.FEMA FL-RA2. Read Oct 5, 2026.
  11. 11.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  12. 12.FBCR Ch. 9. 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. 14.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  17. 17.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  19. 19.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  20. 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta (AL292020), NOAA National Hurricane Center. Read Oct 5, 2026.
  21. 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020), NOAA National Hurricane Center. Read Oct 5, 2026.
  22. 22.City of Tamarac - Permits & Inspections (ePermits), City of Tamarac. Read Oct 5, 2026.
  23. 23.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  24. 24.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  25. 25.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  26. 26.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  29. 29.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  32. 32.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  33. 33.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Tamarac 2020 Census internal point (26.2033, -80.2560), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  34. 34.Wikipedia, 'List of municipalities in Florida', Wikipedia. Read Oct 5, 2026.
  35. 35.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  36. 36.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  37. 37.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Tamarac 2020 Census internal point (26.2033, -80.2560), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof repair in Tamarac

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