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Re-roofs ยท Bloomingdale

Roof replacement in Bloomingdale, FL

The median home in Bloomingdale was built in 1989, which means many roofs on these homes are now in their third decade or later. That age matters because a roof that old is more likely to need repair or full replacement, and a Florida re-roof brings specific permit and code steps you should know before you hire anyone.

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Updated October 2026

Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.

Bloomingdale figures this page uses

Share of homes built before 2000
80.9%
Share of homes built before 1980
16.4%
Share of homes built 2010 or later
6.6%
Owner-occupied share of occupied homes
80%

Housing age here

How old are most Bloomingdale roofs, really?

About 81 percent of homes in Bloomingdale were built before 2000, and 16.4 percent were built before 1980. Only 6.6 percent went up in 2010 or later. Most owners are living under a roof that has already seen several Florida summers.

Eighty percent of occupied homes here are owner-occupied, and 87.6 percent of units are single-family detached. That suggests most roof decisions fall to the homeowner, not a landlord or property manager, so the age of your own roof is the number to check first.

Permit and code steps

What a re-roof triggers under Florida code

In unincorporated Bloomingdale the county building office issues the roof permit, not a city office. Hillsborough County's building permits and records page is where you start the application.

Florida code limits how much of a roof you can redo in one year without bringing the whole roof up to current standards. Not more than 25 percent of the roof area may be repaired, replaced or recovered in any 12-month period unless the entire roof system is replaced. A roof built or repaired to the 2007 Florida Building Code or later may be treated differently, and a local government cannot change that exception by ordinance.

Before work starts, the owner must record a Notice of Commencement and post it on the site before the first inspection. A permit also expires if work does not begin within six months of issue, so confirm the timeline with the county office.

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Questions

Roof replacement in Bloomingdale: questions

Who issues roof permits in Bloomingdale, FL?

Because Bloomingdale is an unincorporated community, Hillsborough County's building office issues roof permits here. Check the county's Building Permits and Records page for current application steps. The county office can also confirm inspection requirements for your specific roof before any work begins.

Source: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), read Oct 5, 2026

Related: Roof replacement

Does my roof need to meet current code if I replace part of it?

It depends on how much of the roof you change within a single 12-month period. If more than 25 percent is repaired, replaced or recovered, the rule generally requires the whole roof to be brought up to current code. Homes in this area tend to be older, with the median home built in 1989, so many roofs will fall under this rule when a large section is redone. There is an exception for roofs built or repaired to the 2007 Florida Building Code or later, so ask the county office how that applies to your roof.

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

Related: Roof replacement

Will my insurance company care how old my roof is?

An insurer cannot refuse to issue or renew a homeowner's policy solely because a roof is under 15 years old. For a roof 15 years or older, the insurer must let the homeowner have an authorized inspector check it at the homeowner's expense, and it cannot refuse or non-renew solely for age if the inspector finds at least five years of useful life. Contact your insurer or agent to learn what your own policy requires.

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

Related: Roof replacement

Nearby

Roof replacement near Bloomingdale

Sources for this page(31)
  1. 1.Share of homes built before 2000: 80.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 16.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Share of homes built 2010 or later: 6.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035 and B25034. Read Oct 5, 2026.
  6. 6.Owner-occupied share of occupied homes: 80%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Single-family detached share of housing units: 87.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  9. 9.Median year homes were built: 1989. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  10. 10.2023 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).
  11. 11.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  12. 12.2023 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").
  13. 13.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  14. 14.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  15. 15.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  16. 16.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  17. 17.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  18. 18.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25024, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  19. 19.Wikipedia, "Bloomingdale, Florida" (secondary source), Wikipedia. Read Oct 5, 2026.
  20. 20.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  21. 21.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  22. 22.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Bloomingdale 2020 Census internal point (27.8767, -82.2614), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Bloomingdale 2020 Census internal point (27.8767, -82.2614), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  29. 29.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  30. 30.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  31. 31.City of Tampa; City of Temple Terrace (official), City of Tampa. Read Oct 5, 2026.

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Roof replacement in Bloomingdale

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