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Roof replacement in University (Hillsborough County), FL

In University, 74.1 percent of homes were built before 2000. That means many of the roofs here are older than the typical replacement window owners expect. Replacing one is a permitted job with inspections, and the county building office issues that permit for this unincorporated community.

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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.

University figures this page uses

Median year homes were built
1986
Share of homes built before 1980
31.5%
Owner-occupied share of occupied homes
12.9%
Share of homes built before 2000
74.1%

Housing age

How the housing age in University shapes roof decisions

The median home here was built in 1986, and 31.5 percent went up before 1980. That suggests many original roofs are now well past 25 years old, which is the age where insurers start asking for proof of remaining life.

Owner-occupied homes make up only 12.9 percent of occupied units in this community. If your home is a rental or a condo, the roof decision may belong to someone else, so confirm who approves the work before you call a contractor.

Permits and inspections

What a roof replacement needs in Hillsborough County

Because University is unincorporated, the Hillsborough County building office issues the permit. Confirm the application status on the county permit records page before work starts.

Florida Building Code rules say your permit expires if work hasn't begun within 6 months of issuance. An application is treated as abandoned after 180 days without good-faith progress, so keep the job moving.

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Questions

Roof replacement in University: questions

What is the 25 percent rule for roofs in Florida?

It limits partial roof work. If more than 25 percent of the total roof area is repaired, replaced or recovered in any 12 month period, the entire roof covering must be brought up to the current code. In University, your permit goes through the Hillsborough County building office. An existing roof built to the 2007 Florida Building Code or later is exempt, and only the repaired portion must meet current code. Ask the building office to confirm which edition applies to your home.

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

Related: Roof replacement

What is the 15 year roof rule in Florida?

Florida Statute 627.7011(5) bars an insurer from declining to write or renewing a homeowner policy based only on the age of the roof, provided that roof is under 15 years old. When a roof has reached 15 years or more, the insurer has to allow an authorized inspector to evaluate it, with the homeowner covering that cost. Should the inspection find at least 5 years of remaining useful life, the insurer cannot turn you down or decline renewal on roof age alone. In this area the median year homes were built is 1986, so many roofs have likely passed the 15 year mark. Ask your insurer or agent to walk you through how these rules apply to the policy you hold.

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

Related: Roof replacement

What is the new law in Florida about roofs?

The Florida Building Code Ninth Edition, the 2026 edition, becomes effective December 31, 2026. Any permit application or plan filed on or after that date must meet the new edition. The Eighth Edition, effective December 31, 2023, applies until then. For University roofs, the county building office sets which edition applies to your permit.

Source: Miami-Dade County RER notice, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near University

Sources for this page(26)
  1. 1.Median year homes were built: 1986. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 31.5%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.Wikipedia, "University, Hillsborough County, Florida" (secondary source). Read Oct 5, 2026.
  4. 4.U.S. Census Bureau ACS 2020-2024 5-year, tables B25035 and B25034. Read Oct 5, 2026.
  5. 5.Owner-occupied share of occupied homes: 12.9%. 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.Share of homes built before 2000: 74.1%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  8. 8.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  9. 9.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  10. 10.2023 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").
  11. 11.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  12. 12.2023 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).
  13. 13.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  14. 14.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  15. 15.Miami-Dade County RER notice. 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.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  19. 19.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034, 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 Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the University 2020 Census internal point (28.0769, -82.4333), 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 University 2020 Census internal point (28.0769, -82.4333), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. 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.NWS Melbourne, Lightning Facts and Trivia, National Weather Service. Read Oct 5, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.

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Roof replacement in University

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