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Hillsborough County ยท Census-designated place

Roofing in Westchase, Florida

Hillsborough County commissioners approved Westchase in 1991, and the Westchase Community Association still oversees 28 neighborhoods or villages. That means two layers of rules for your roof: the county building office issues the permit, and your deed restrictions may add their own review. Check both before you sign anything.

Request a quote407-242-2840

Updated October 2026

Aerial view of a suburban neighborhood with curving streets, a traffic circle, lakes and a highway through wooded land.
Photo: Aerial view of Westchase, Florida neighborhood by Wknight94 talk, CC BY-SA 3.0, cropped

At a glance

Westchase homes at a glance

People (2020 Census)
25,952
Median year homes were built
2000
Share of homes built before 1980
2.3%
Share of homes built 2010 or later
18.6%
Owner-occupied share of occupied homes
63.9%

Census figures; each one is listed in the sources at the end of this page.

Home age

Roof age across Westchase homes

The median Westchase home was built in 2000, and 48.6 percent of homes predate 2000. That suggests many original roofs are now well past 20 years old. Only 2.3 percent of homes date from before 1980, so very old housing is rare.

Roof age matters to your insurer. Once a roof reaches 15 years, Florida law gives you the option of hiring an authorized inspector, at your cost, before any replacement is demanded. If that inspector finds 5 or more years of useful life left, the insurer may not refuse or non-renew you solely because of age. Your insurer or agent can explain their process.

Permits

Who issues roof permits in Westchase?

Westchase sits in unincorporated Hillsborough County, so the county building office handles your roof permit. Ask that office about current requirements before work starts. Roofs in the City of Tampa's historic districts need a Certificate of Appropriateness, but that city process does not reach Westchase.

A Florida permit has two clocks. It goes invalid if work has not started within 6 months of issuance, or if work is suspended for 6 months. A permit application you stop pursuing counts as abandoned at 180 days after filing, with 90-day extensions possible.

Watch the Notice of Commencement too. The Florida Building Code requires the permit card to warn that skipping it may mean paying twice, and it must be recorded and posted before the first inspection.

Building permits

Hillsborough County - Building Permits & Records (unincorporated Hillsborough County)

Official building page

Office names and links only. Fees, forms and timing change; check the official page.

Repair rule

What the 25 percent rule means for a repair

In Florida, repairs on a roof section are capped at 25 percent within any 12-month window. Exceed that threshold and the full section has to be replaced or recovered. That carve-out only holds if the roof was built, fixed or swapped out under the 2007 Florida Building Code or a newer edition. With a 2000 median build year here, the roof's own history decides which case you are in, not the house's age.

The 2023 code took effect December 31, 2023, and the Ninth Edition takes over on December 31, 2026. Applications filed on or after that date follow the new edition.

  • Approved by Hillsborough County commissioners in 1991; the Westchase Community Association is the largest deed-restricted community (homeowner association) in the CDP, organized into 28 neighborhoods or villages.
  • Established with two Community Development Districts, which agreed to merge in September 2011.
  • Water covers 7.1% of the place's total area.

Local weather

Rain, storms and your Westchase roof

Records from Tampa International Airport put average yearly rainfall at 49.48 inches, and roughly 61 percent of it arrives between June and September. At Westchase, NOAA Atlas 14 puts a 10-year hour of rain at 2.89 inches, and a 100-year 24-hour rainfall at 12.3 inches.

Hurricane Eta in 2020 brought up to 10.64 inches of rain near Sun City Center, and the Tampa Bay corridor sees more lightning than anywhere else in the country. Water covers 7.1 percent of Westchase's area, so drainage and flashing details matter.

Services

Roofing services in Westchase

Questions

Westchase roofing questions

What is the 25% roof rule in Florida?

Should a single 12-month period see more than a quarter of a roof section repaired, replaced or recovered, you are required to replace or recover that whole section. That allowance applies to any roof constructed, repaired or replaced under the 2007 Florida Building Code or a later version. In that case, just the portion you repaired needs to satisfy today's code. Westchase's median build year is 2000, so check the roof's own history and ask 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

Who pulls the roof permit in Westchase?

Hillsborough County building office issues roof permits for Westchase, which is unincorporated. The permit lapses if work does not begin within 6 months, or stops for 6 months. Before the first inspection, a Notice of Commencement has to be filed with the county and displayed on site. Check with your county on what rules apply before you start any work.

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

Related: Roof replacement

Does my Westchase community association review roof work?

Westchase is organized into 28 neighborhoods or villages under the Westchase Community Association, the largest deed-restricted community in the area. Your village's deed restrictions may set rules on roof color or material. Check with your association before choosing materials, and also get the county permit.

Source: Wikipedia, "Westchase, Florida" (secondary source), read Oct 5, 2026

Related: Roof replacement

Can my insurer drop me because my roof is 15 years old?

An inspection can show a roof still has useful life left, which means age alone is not grounds for removal. If your roof is 15 years old or more, an authorized inspector can evaluate it, and you cover that cost. If the inspector finds 5 or more years of useful life, the insurer may not refuse or non-renew solely for age. About 48.6 percent of Westchase homes were built before 2000, so this question comes up here. Ask your insurer or agent for details.

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

Related: Roof inspections

Can a roofer sell me a product as storm protection?

Only if the product is approved under Florida's statewide product approval. No product may be advertised or sold as hurricane, windstorm or impact protection without it. Any product can be checked against the Florida Building Commission database using its FL number. Hurricane Eta in 2020 brought 3-4 feet of surge to the Tampa Bay area, so ask for the approval number.

Source: Florida Statutes, section 553.842 (2026), read Oct 5, 2026

Related: Roof replacement

Nearby

Near Westchase

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More in Hillsborough County

Sources for this page(32)
  1. 1.Median year homes were built: 2000. 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 2000: 48.6%. 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 before 1980: 2.3%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  4. 4.Permit office: Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Hillsborough County - Building Permits & Records (unincorporated Hillsborough County). Read Oct 10, 2026.
  5. 5.City of Tampa; City of Temple Terrace (official). Read Oct 5, 2026.
  6. 6.Wikipedia, "Westchase, Florida" (secondary source). Read Oct 5, 2026.
  7. 7.NOAA NCEI U.S. Climate Normals 1991-2020, station USW00012842 TAMPA INTL AP. Read Oct 5, 2026.
  8. 8.Hurricane Eta (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta. Read Oct 5, 2026.
  9. 9.NWS Melbourne, Lightning Facts and Trivia. Read Oct 5, 2026.
  10. 10.U.S. Census Bureau, Census 2020 place geography (AREALAND/AREAWATER) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  11. 11.Hurricane Hermine (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine. Read Oct 5, 2026.
  12. 12.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma. Read Oct 5, 2026.
  13. 13.Wikipedia articles for each place (secondary). Read Oct 5, 2026.
  14. 14.Wikipedia (Riverview, Brandon); U.S. Census Bureau ACS 2020-2024 table B25034. Read Oct 5, 2026.
  15. 15.People (2020 Census): 25,952. U.S. Census Bureau, 2020 Census (POP100) via TIGERweb tigerWMS_Census2020. Read Oct 5, 2026.
  16. 16.Share of homes built 2010 or later: 18.6%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  17. 17.Owner-occupied share of occupied homes: 63.9%. U.S. Census Bureau, ACS 2024 5-year (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  18. 18.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.
  19. 19.Florida Statutes, section 627.7011 (2026), Florida Legislature. Read Oct 4, 2026.
  20. 20.Hillsborough County - Building Permits & Records (unincorporated Hillsborough County), Hillsborough County. Read Oct 5, 2026.
  21. 21.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  22. 22.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  23. 23.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  24. 24.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  25. 25.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  26. 26.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Westchase 2020 Census internal point (28.0567, -82.6076), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  27. 27.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Westchase 2020 Census internal point (28.0567, -82.6076), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Eta, NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine, NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma, NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.Florida Statutes, section 553.842 (2026), Florida Legislature. Read Oct 5, 2026.
  32. 32.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.

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