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Repairs ยท Umatilla

Roof repair in Umatilla, FL

64.3% of Umatilla's homes were built before 2000, so unless a house was re-roofed after the 2007 code took effect in March 2009, its roof falls under Florida's 25% rule. Roof repair in Umatilla starts with that date, because it decides whether a patch can stay a patch.

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Updated October 2026

Large light blue two-story house with wraparound porch and bushes under a blue sky.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Umatilla FL house01 by Ebyabe, CC BY 2.5, cropped

Umatilla figures this page uses

Housing units (ACS 5-year)
1,921
Share of homes built before 2000
64.3%
Median year homes were built
1986

Local know-how

What north Lake storms do to Umatilla roofs

Umatilla's weather record is written in its neighbors' gauges. Irma left 11.03 inches at Lady Lake in 2017, Milton 8.26 inches south of Lady Lake and 8.55 in Tavares in 2024, and Leesburg's airport logged gusts of 60 knots in Irma and 72 in Milton.

Those winds go after the same parts of a roof each time. Federal investigators found hips and ridges took the most damage in Ian, and FEMA's teams list damaged coverings, lost ridge vents and failed soffits as the main paths for water. Near the forest, falling limbs add punctures and torn shingles.

Inside the house, stains usually trace back to flashing. The code requires it where walls meet the roof, at changes in slope and around every opening, and those joints are where to look first.

Florida code

When a repair in Umatilla turns into a section re-roof

The code's limit: no more than 25% of a roof or roof section repaired, replaced or recovered in any 12 months unless the whole section is redone to current code. The exception: if that roof was built, repaired or replaced to the 2007 Florida Building Code or later, only the repaired portion must meet current code. Neither rule says an insurer must pay for a whole roof.

With 1,236 of Umatilla's 1,921 homes built before 2000, the deciding fact is the last re-roof permit. A replacement permitted after March 1, 2009 can bring the exception; an older one does not. The City of Umatilla Development & Public Services keeps the permit records.

Expect a permit for most repair work; the code's only exception is an ordinary minor repair the building official signs off on. Patching also leaves the insurance age alone, since Florida counts it from the last time the whole surface was replaced.

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Questions

Roof repair in Umatilla: questions

Are the black streaks on Umatilla roofs damage?

Usually not. The streaks are algae, most often Gloeocapsa magma, and the asphalt roofing trade group says the discoloration is most widespread in warm, humid places such as the Gulf States. One shingle maker says it has seen no evidence that algae affects shingle performance. If you clean it, use a diluted bleach solution and rinse it off; never pressure-wash, which strips granules. On a house built around Umatilla's 1986 median, check the roof's age before spending on looks.

Source: ARMA algae bulletin.

A limb hit my Umatilla roof. What should I do first?

Get people clear, then look from the ground; don't climb a wet or damaged roof. Photograph the damage, the limb and any ceiling stains, and keep notes with dates. Florida law gives you one year from the date of loss to give your insurer notice of a new claim, and your insurer or agent, not a roofer, explains your coverage. FEMA's individual-assistance declarations for Irma, Ian, Nicole and Milton each reached Lake County households, so keep those records handy.

Source: Fla. Stat. 627.70132.

Related: FAQ

Should I repair or replace an old roof in Umatilla?

It turns on the roof's age and its code era. The code caps repairs at 25% of a roof section in 12 months for roofs built before the 2007 code; past that, the section is redone. Roofs replaced to the 2007 code or later escape that cap. Insurers count age from the last full replacement, and Citizens wants proof of five more years of life on shingle roofs past 25 years. With 64.3% of Umatilla's houses built before 2000, many owners face several of these tests at once.

Source: FBC-R 2023, R908.1.1.

Related: Roof replacement

Nearby

Roof repair near Umatilla

Sources for this page(80)
  1. 1.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  2. 2.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  3. 3.Housing units (ACS 5-year): 1,921. 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.
  4. 4.Share of homes built before 2000: 64.3%. 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.
  5. 5.Permit office: City of Umatilla Development & Public Services (building permits). City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026.
  6. 6.Median year homes were built: 1986. 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.
  7. 7.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.
  8. 8.Hurricane Irma (2017). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337. Read Oct 5, 2026.
  9. 9.Hurricane Ian (2022). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  10. 10.Hurricane Nicole (2022). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680. Read Oct 5, 2026.
  11. 11.Hurricane Milton (2024). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  12. 12.FBCR Ch. 9. Read Oct 4, 2026.
  13. 13.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  14. 14.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  15. 15.FEMA FL-RA2. Read Oct 5, 2026.
  16. 16.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 5, 2026.
  17. 17.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  19. 19.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024. Read Oct 5, 2026.
  20. 20.Owens Corning. Read Oct 5, 2026.
  21. 21.atlasroofing.com. Read Oct 5, 2026.
  22. 22.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  23. 23.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  25. 25.City of Umatilla Development & Public Services (building permits) (official page), City of Umatilla Development & Public Services (building permits). Read Oct 5, 2026. Official page fetched 2026-10-05: Development and Public Services Building Permit Portal for building permit applications.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  29. 29.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337, FEMA. Read Oct 5, 2026.
  30. 30.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673, FEMA. Read Oct 5, 2026.
  31. 31.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4680, FEMA. Read Oct 5, 2026.
  32. 32.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834, FEMA. Read Oct 5, 2026.
  33. 33.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024), NOAA National Hurricane Center. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the 2020 Census internal point of Umatilla (TIGERweb 2020 incorporated place internal point (INTPTLAT/INTPTLON), GEOID 1273025, Umatilla city), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10/25/100-yr intensities 9.28/10.7/12.8 in/hr; 60-minute 2/10/25/100-yr 2.1/2.85/3.3/3.97 in/hr
  35. 35.Official city building pages listed in each city's permitOffice, Lake County, Florida. Read Oct 5, 2026.
  36. 36.Wikipedia, "Umatilla, Florida" (revision 1367878838), Wikipedia. Read Oct 5, 2026.
  37. 37.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  38. 38.ask.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-14
  39. 39.blogs.ifas.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-15
  40. 40.ufdcimages.uflib.ufl.edu, University of Florida. Read Oct 5, 2026. Supports G-16
  41. 41.thig.com, Tower Hill Insurance Group. Read Oct 5, 2026. Supports G-17
  42. 42.National Roofing Contractors Association, National Roofing Contractors Association. Read Oct 5, 2026. Supports C-16
  43. 43.Florida Statutes, section 489.105 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-11
  44. 44.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, Florida Roofing and Sheet Metal Contractors Association. Read Oct 5, 2026. Supports C-1
  45. 45.Miami-Dade County RER notice, Miami-Dade County. Read Oct 5, 2026. Supports C-2; Supports NC-10
  46. 46.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  47. 47.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  48. 48.Senate SB 808 staff analysis pp. 3-4, The Florida Senate. Read Oct 5, 2026. Supports RR-05
  49. 49.Fla. Stat. 553.844, Florida Legislature. Read Oct 4, 2026. Supports RR-32
  50. 50.Florida Statutes, section 489.147 (2026), Florida Legislature. Read Oct 4, 2026. Supports RR-44; Supports RR-45
  51. 51.Florida Statutes, section 627.711 (2026), Florida Legislature. Read Oct 4, 2026. Supports IN-12; Supports IN-13
  52. 52.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  53. 53.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  54. 54.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  55. 55.Insp4pt 03 25, Citizens Property Insurance Corporation. Read Oct 4, 2026. Supports IN-08
  56. 56.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26), Florida Office of Insurance Regulation. Read Oct 4, 2026. Supports OIR-B1-1802; Supports IN-15; Supports RR-26; Supports RR-34; Supports IN-14
  57. 57.Florida Statutes, section 718.112 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-718.112(2)(g); Supports COM-32
  58. 58.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-27. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-22 (the research cites it "as COM-22").; Supports COM-1. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-18. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-3. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-9. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-22. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").; Supports COM-14. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from C-14 (the research cites it "as C-14").
  59. 59.Professional Roofing magazine (NRCA). Read Oct 5, 2026. Supports COM-26
  60. 60.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-15. 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").; Supports NC-1. 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").
  61. 61.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer, U.S. Census Bureau. Read Oct 5, 2026.
  62. 62.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-21. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").; Supports G-5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-20 (the research cites it "as COM-20").
  63. 63.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports COM-29. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports NC-5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").; Supports G-10. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from COM-29 (the research cites it "as COM-29").
  64. 64.FBC-Building 2023 Chapter 2 definitions, UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports C-4. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  65. 65.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-11. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports FBC-R318.5. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  66. 66.Florida Statutes, section 553.837 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-553.837; Supports NC-9
  67. 67.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  68. 68.U.S. Census Bureau ACS 2020-2024 5-year, table B25035, via Census Reporter, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  69. 69.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  70. 70.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (UpCodes viewer, unofficial transcription), UpCodes (unofficial transcription; verify on floridabuilding.org). Read Oct 5, 2026. Supports NC-2. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).; Supports G-23. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7). Source URL inherited from NC-2 (the research cites it "as NC-2").
  71. 71.FBCR Ch. 8, International Code Council (Florida Building Commission). Read Oct 5, 2026. Supports RR-21
  72. 72.Florida Statutes, section 489.113 (2026), The Florida Senate. Read Oct 5, 2026. Supports FS-489.113(3)
  73. 73.consumerreports.org, Consumer Reports. Read Oct 5, 2026. Supports G-13
  74. 74.Gutterall 6K hanger, Gutterall. Read Oct 5, 2026. Supports G-19
  75. 75.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. Supports G-1; Supports G-4a
  76. 76.NOAA National Centers for Environmental Information, NOAA National Centers for Environmental Information. Read Oct 5, 2026. Supports G-2
  77. 77.bergerbp.com, Berger Building Products. Read Oct 5, 2026. Supports G-6
  78. 78.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25003 (Tenure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  79. 79.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  80. 80.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Hermine (AL092016), NOAA National Hurricane Center. Read Oct 5, 2026.

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Roof repair in Umatilla

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