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Re-roofs ยท Lutz

Roof replacement in Lutz, FL

The median home in Lutz was built in 1990, so many roofs here are now more than 30 years old. Replacing one is a permitted job, and the building office reviews it, not the contractor alone. What the age means for your roof, and what a Florida re-roof triggers, comes down to the permit and the 25 percent rule.

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Updated October 2026

Rebuilt wooden depot shelter with a metal roof and railing, shaded by a large oak tree.
Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.Our work
Photo: FL Lutz rebuilt depot02 by Ebyabe, CC BY-SA 4.0, cropped

Lutz figures this page uses

Share of homes built before 2000
66.7%
Share of homes built before 1980
26.3%
Share of homes built 2010 or later
21.1%
Median year homes were built
1990

Housing age here

Why Lutz roofs tend to be older

Two in three homes in Lutz were built before 2000, and roughly one in four went up before 1980. That suggests many original roofs are past the 25-year mark, and the decking under them may need a look.

Only about one home in five is newer than 2010. If your roof is from the original build, have an inspector check it before you decide it can wait another year.

Permit and code

What a re-roof in Lutz requires

Lutz is unincorporated Hillsborough County, so the county building office issues your roof permit, not a city office. Check the permit status with them before work starts.

Florida's 25 percent rule applies to your roof. If more than a quarter of the roof area is replaced within a 12-month period, the whole roof covering must be brought up to current code. An exception exists when the existing roof was built to the 2007 code or later, and only the repaired portion then must meet current code.

Florida law requires roofing work to be done by a contractor with the right roofing certification. A general contractor cannot advertise as a roofing contractor without it.

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Questions

Roof replacement in Lutz: questions

What is the 25% roof rule in Florida?

It limits partial roof work. Over any 12-month window, you can repair, replace or recover no more than 25 percent of the roof area, unless the whole roof covering is redone. Above that share, the whole roof must meet the current Florida Building Code. If the existing roof was built, repaired or replaced to the 2007 code or later, only the repaired portion must meet current code. For Lutz, check the permit with the Hillsborough County building office.

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

Related: Roof replacement

What is the 25% rule for roofing?

It is the same rule under another name. Partial roof work covering more than a quarter of the roof area in a 12-month period triggers full code compliance. The 2007 code exception matters for many Lutz roofs, since so many homes here were built before 2000. Ask the Hillsborough County building office which exception applies to your roof before you sign anything.

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

Related: Roof replacement

Who issues roof permits in Lutz?

Lutz is unincorporated, so Hillsborough County issues the permit through its Building Permits and Records office. Permits are not issued by the City of Tampa. Your address decides the office, so confirm the county jurisdiction before filing. Work must start within six months of issuance or the permit becomes invalid.

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

Related: Roof replacement

How old are most homes in Lutz?

The median home was built in 1990, with a margin of error of plus or minus 2 years. Roughly one in four homes went up before 1980, so those roofs have likely been on for decades. Older roofs can also affect insurance, since Citizens requires at least five years of remaining useful life for roofs older than 25 years.

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

Related: Roof replacement

Nearby

Roof replacement near Lutz

Sources for this page(27)
  1. 1.Share of homes built before 2000: 66.7%. 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: 26.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035 and B25034. Read Oct 5, 2026.
  4. 4.Share of homes built 2010 or later: 21.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  5. 5.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. 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.Median year homes were built: 1990. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  8. 8.City of Tampa; City of Temple Terrace (official). Read Oct 5, 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 489.113 (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.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  14. 14.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.
  15. 15.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  16. 16.U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  17. 17.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  18. 18.Miami-Dade County RER notice, Miami. 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.NOAA NCEI U.S. Climate Normals 1991-2020, station USC00087205 PLANT CITY, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  21. 21.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Lutz 2020 Census internal point (28.1407, -82.4497), 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 Lutz 2020 Census internal point (28.1407, -82.4497), 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.Wikipedia, "Lutz, Florida" (secondary source), Wikipedia. Read Oct 5, 2026.

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Roof replacement in Lutz

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