Roof repair in Anna Maria, FL

Under Florida's building code, no more than 25 percent of a roof or roof section may be patched during any 12-month period. Once repairs exceed that limit, the entire roof section has to be replaced or recovered. The exception covers a roof only when it was built, repaired or replaced to meet the 2007 Florida Building Code or a later edition, and that 2007 code became effective on March 1, 2009. When that applies, only the section you are repairing has to meet current code.

Many Anna Maria roofs are likely to fall under the main rule rather than the exception. Of the town's homes, 87.4 percent were built before 2000, and that suggests many have older roofs. If you do not know when yours was last replaced, find the permit record before you plan a repair. The building department can tell you what is on file.

A permit is required to repair a building. Florida code lets the building official approve ordinary minor repairs without one, so whether a small roof repair needs a permit is that official's decision. Ask the City of Anna Maria Building Department before work starts. Neighboring Bradenton Beach, for comparison, may require a FEMA 50 percent substantial damage assessment and accepts roofing affidavits after Helene.

• Stay off a wet or damaged roof. Look from the ground.
• Photograph missing shingles, exposed felt, loose flashing and any ceiling stains before anything is moved.
• Check the attic for visible leaks and wet decking.
• Cover openings only from a safe position, and keep receipts.

Insurance is between you and your insurer. A new or reopened claim must reach the insurer within 1 year of the date of loss. Confirm coverage with your insurer or agent before you sign any roofing contract.