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Re-roofs · Howey-in-the-Hills

Roof replacement in Howey-in-the-Hills, FL

Howey-in-the-Hills' median home was built in 1990, older than Lake County's 1997, and NRCA says most new roofs are designed to last about 20 years. For roof replacement in Howey-in-the-Hills, that means a house in the older half of town is either on a replacement roof already or running well past that mark.

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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.

Howey-in-the-Hills figures this page uses

Median year homes were built
1990
Housing units (ACS 5-year)
919
Share of homes built before 2000
55.8%
Share of homes built 2010 or later
28.6%

Local know-how

Two code worlds on Howey's streets

Of the town's 919 homes, 55.8% predate 2000 and 28.6% were built in 2010 or later. The older group was framed long before the 2007 Florida Building Code took effect on March 1, 2009; the newer group went up under it or a later edition. A re-roof treats both alike the day the shingles come off, but what the inspector finds under an older covering decides how much re-nailing the deck takes.

Florida requires two things whenever a covering is torn off a house with a wood deck: the deck attachment must meet the re-roof nailing rules, and a secondary water barrier must be installed (FBC-R R908.7). Existing 8d nails spaced 6 inches or closer need nothing more; staples, 6d nails, or 8d nails spaced wider than 6 inches get ring-shank nails added until spacing is no more than 6 inches on center (Table R908.7.1.2).

The barrier method is worth picking with the insurance form in mind. The code allows a fully adhered membrane over the whole deck, a membrane strip or tape over every deck joint under a full underlayment, or two layers of felt-type underlayment (FBC-R R905.1.1.1). The state's wind mitigation form counts all three as a sealed roof deck and says standard underlayment or hot-mopped felt alone does not qualify. In a town where 90.0% of occupied homes are owner-occupied, the owner who picks the method is usually the one who keeps the policy.

Permit

The permit path through Howey's contracted provider

Inside town limits, Howey-in-the-Hills' Building Services contracts Alpha, a Willdan Engineering company, for permits and inspections. Re-roofs need no plan review (FBC-B 107), so the steps are the permit, a sheathing or dry-in inspection once the deck is re-nailed, and a final roofing inspection of the dry-in, insulation, coverings and flashing (FBC-B 110.3).

Two clocks run on the permit. It lapses unless work starts within 6 months of issue, and work counts as in active progress only while the permit has received an approved inspection within 180 days (FBC-B 105.4.1). A house outside town limits takes the same steps through the Lake County Office of Building Services. Material choices are on the shingle, metal and tile pages.

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Questions

Roof replacement in Howey-in-the-Hills: questions

Does a re-roof in Howey-in-the-Hills need plan review?

No. FBC-B 107 exempts re-roofs from plans examination, so the contracted provider the Town of Howey-in-the-Hills Building Services uses for permitting, plan review and inspections only issues the permit and inspects. Expect two visits: the sheathing or dry-in inspection after the deck is re-nailed, and the final roofing inspection. For homes outside town limits, the Lake County Office of Building Services follows the same code steps.

Source: Town of Howey-in-the-Hills, Building Services (contracted permitting, plan review and inspections), read Oct 5, 2026

Related: Roof replacement

Is a secondary water barrier required on a Howey-in-the-Hills re-roof?

Yes. When a roof covering is removed and replaced, FBC-R R908.7.2 requires a secondary water barrier installed by one of the methods in R905.1.1. FEMA's study of Hurricane Michael found that sealing the roof deck can significantly reduce water getting in when the primary covering is lost or damaged. For a Howey house, that is the layer that matters on a day like Milton's 72-knot gust at Leesburg's airport.

Source: FBCR Ch. 9, read Oct 5, 2026

Related: Roof replacement

What should a Howey-in-the-Hills roofing contract include?

Two notices Florida requires on every residential roof contract. One says the contractor may not offer a rebate, gift, gift card, cash, coupon, deductible waiver or anything of value for allowing a roof inspection or making a roof insurance claim; without it, the owner may void the contract within 10 days (Fla. Stat. 489.147(5)). The other, in bold type of at least 14 points on the signature page, tells the owner to check coverage with the insurer before signing if the work relates to a claim (489.147(7)). With 90.0% of Howey's occupied homes owner-occupied, the owner usually signs both.

Source: Florida Statutes, section 489.147 (2026), read Oct 4, 2026

Related: FAQ

Nearby

Roof replacement near Howey-in-the-Hills

Sources for this page(28)
  1. 1.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Official city building pages listed in each city's permitOffice. Read Oct 5, 2026.
  3. 3.Median year homes were built: 1990. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  4. 4.Housing units (ACS 5-year): 919. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Share of homes built before 2000: 55.8%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Share of homes built 2010 or later: 28.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Owner-occupied share of occupied homes: 90%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: Town of Howey-in-the-Hills Building Services. Town of Howey-in-the-Hills Building Services. Read Oct 5, 2026.
  9. 9.Median year homes were built: 1997. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Permit office: Lake County Office of Building Services. Lake County Office of Building Services. Read Oct 5, 2026.
  11. 11.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  12. 12.National Roofing Contractors Association. Read Oct 5, 2026.
  13. 13.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  14. 14.FBCR Ch. 9. Read Oct 4, 2026.
  15. 15.Florida OIR, Uniform Mitigation Verification Inspection Form OIR-B1-1802. Read Oct 4, 2026.
  16. 16.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  17. 17.2023 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").
  18. 18.FEMA Recovery Advisory 2. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  20. 20.Town of Howey-in-the-Hills, Building Services (contracted permitting, plan review and inspections), Town of Howey-in-the-Hills. Read Oct 5, 2026. The town contracts Alpha, a Willdan Engineering company, for permitting, plan review and inspections within town limits.
  21. 21.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  22. 22.Citizens Property Insurance Corporation. Read Oct 4, 2026.
  23. 23.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  24. 24.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  25. 25.FEMA FL-RA2. Read Oct 5, 2026.
  26. 26.NOAA NHC. Read Oct 5, 2026.
  27. 27.FBC-Building 2023 Chapter 2 definitions. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  28. 28.OIR form. Read Oct 4, 2026.

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Roof replacement in Howey-in-the-Hills

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