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Re-roofs ยท Cheval

Roof replacement in Cheval, FL

Most homes in Cheval were built around 1994, and the median build year is 1994 within a margin of about two years. That means many roofs here are likely in their third decade or older. A re-roof in this part of Hillsborough County follows a few specific Florida rules, and the permit is issued by the county, not by the city.

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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.

Cheval figures this page uses

Housing units (ACS 5-year)
5,276
Share of homes built before 2000
66%
Share of homes built 2010 or later
9.8%
Owner-occupied share of occupied homes
59.4%

Roof age in Cheval

What the Cheval build years mean for your roof

About 66 percent of the 5,276 housing units here were built before 2000. Only about 9.8 percent were built in 2010 or later. Older roofs are more likely to need replacement during your time in the home, and that is the main reason to check yours now.

Owner-occupied homes make up about 59.4 percent of occupied units here. If you own your home, the roof is your responsibility to maintain and document, including when it was last replaced.

Permits and code

What a re-roof here triggers under Florida rules

Unincorporated Cheval permits are handled by the Hillsborough County building office. Projects here are reviewed under the 2023 code cycle, with the Ninth Edition applying to filings made from December 31, 2026 onward. Check which edition your contractor is using before signing.

The 25 percent rule is the key trigger. If more than 25 percent of your roof area is replaced within 12 months, the entire roof covering must be replaced. Your roof is exempt if it was built or repaired under the 2007 Florida Building Code or a newer edition. Only the repaired part then has to meet current code.

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Questions

Roof replacement in Cheval: questions

Do I need a permit to replace a roof in Cheval?

Yes, a re-roof in unincorporated Cheval needs a permit from Hillsborough County Building Permits and Records. The county handles this, not the City of Tampa. Ask the building office whether your specific project triggers the 25 percent rule before work starts.

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

Related: Roof replacement

Does a roof built to the 2007 code avoid the 25 percent rule in Cheval?

Not entirely. Under Florida Building Code section 1511.1.1, no more than 25 percent of a roof or roof section may be repaired, replaced or recovered in any 12-month period unless the whole roof or roof section is brought up to current code. The exception applies only if that roof was built, repaired or replaced in compliance with the 2007 Florida Building Code or a later edition, which took effect March 1, 2009. At that point, only the section you repaired has to satisfy the current code. The median home in Cheval was built in 1994, but that describes homes, not roofs, so check the permit history for your own roof.

Source: U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

What is the 15 year roof rule in Florida?

A homeowner's policy cannot be refused or dropped in Florida solely because the roof is less than 15 years old, according to state rules. If your roof is 15 years old or more, the insurer has to allow an authorized inspector to examine it, paid by you, before it can require a replacement. If that inspection shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew solely for roof age (Fla. Stat. 627.7011(5)). With a median build year of 1994 for homes in Cheval, many roofs here may be old enough for this rule to matter.

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

Related: Roof replacement

Nearby

Roof replacement near Cheval

Sources for this page(29)
  1. 1.Housing units (ACS 5-year): 5,276. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 2000: 66%. 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: 9.8%. 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.Owner-occupied share of occupied homes: 59.4%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  7. 7.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  8. 8.Median year homes were built: 1994. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  9. 9.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  10. 10.Miami-Dade County RER notice. Read Oct 5, 2026.
  11. 11.2023 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).
  12. 12.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  13. 13.2023 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").
  14. 14.Florida Statutes, section 627.7011 (2026). 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.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  18. 18.Wikipedia, "Cheval, Florida" (secondary source), Wikipedia. Read Oct 5, 2026.
  19. 19.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020, U.S. Census Bureau. Read Oct 5, 2026.
  21. 21.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Cheval 2020 Census internal point (28.1481, -82.5113), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  22. 22.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Cheval 2020 Census internal point (28.1481, -82.5113), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  24. 24.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
  28. 28.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  29. 29.Wikipedia articles for each place (secondary), Wikipedia. Read Oct 5, 2026.

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Roof replacement in Cheval

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