Skip to content

Re-roofs · On Top of the World

Roof replacement in On Top of the World, FL

On Top of the World's median home was built in 2006, three years before the 2007 Florida Building Code took effect on March 1, 2009. A first roof from that year turns 20 in 2026, and when it comes off, the roof replacement brings it up to the deck-nailing and water-barrier rules that apply today.

Request a quote407-242-2840

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.

On Top of the World figures this page uses

Median year homes were built
2006
Share of homes built 2010 or later
41.2%
Share of homes built before 2000
36.9%
Mobile homes, share of housing units
0.5%

Local know-how

Re-roofing homes from the 2006 build years

The housing here splits three ways: 36.9% built before 2000, a middle band from the 2000s around the 2006 median, and 41.2% built in 2010 or later. Nearly all of the first two groups were roofed before the 2007 code took effect, so their original roofs get no 2007-code exception under Fla. Stat. 553.844(5). A re-roof to today's code changes that.

The newer group is reaching insurer age lines now. A roof put on in 2011 turns 15 in 2026, the age past which an insurer that wants a replacement must first let the owner get an inspection under Fla. Stat. 627.7011(5). So even a house that feels new can face a re-roof decision soon.

92.6% of occupied homes here are owner-occupied, and mobile homes are only 0.5% of housing units, against 18.2% across Marion County. The deck rules below apply to houses with sawn-lumber, plank or wood-panel decks (R908.7).

Florida code

Tear-off triggers and the two county inspections

FBCR R908.3 requires removing every existing layer when any of these is true:

  1. The existing roof is water-soaked or too deteriorated to serve as a base.
  2. The covering is wood shingle or shake, slate, clay, cement or asbestos-cement tile.
  3. The roof already carries two or more applications of any covering.
  4. Blisters exist and are not cut open and secured.
  5. The old covering would be the attachment base and the R905 securement rules cannot be met.

After tear-off, Marion County Building Safety inspects twice: sheathing and dry-in before the new covering hides the deck, then the finished roofing work, flashing included (FBC-B 110.3). On a deck held by staples or 6d nails, expect supplemental ring-shank nails at 6 inches on center before the first visit.

For the look, compare shingle, metal and tile options side by side, or preview colors in the design studio.

Request a quote

Questions

Roof replacement in On Top of the World: questions

Can a 2006 roof in On Top of the World be repaired instead of replaced?

Within limits. FBCR R908.1.1 caps repairs at 25% of a roof or roof section in any 12 months unless the whole section is brought to current code. The exception for 2007-code roofs does not reach a roof installed in 2006, since that edition took effect March 1, 2009. So a pre-2009 roof with scattered damage can be patched, but widespread damage on one slope means redoing that section to today's rules.

What is a secondary water barrier, and does an On Top of the World re-roof need one?

It is the layer that keeps water out if the shingles or tiles blow off, and yes: R908.7.2 requires one whenever a covering is removed and replaced. The code offers a fully adhered membrane over the whole deck, membrane strips or tape over the deck seams under underlayment, or a double layer of felt-type underlayment. FEMA found after Hurricane Michael that sealing the deck can significantly reduce water entry when the covering is lost. Many original roofs on the 2006-era homes here predate the rule's October 2007 deadline.

Related: Roof replacement

Will a re-roof change the wind mitigation report on an On Top of the World home?

Expect it to. OIR-B1-1802 (Rev. 04/26) records the roof covering, the deck attachment and the secondary water barrier, and it stays valid up to five years only if no material changes are made. A new roof changes all three answers. The state's consumer notice calls securing the roof one of the two most cost-effective wind measures, but what a new form is worth on a premium is your insurer's call. For a house built in 2006, the form's first question still records the 2001 or 2004 code era.

Nearby

Roof replacement near On Top of the World

Sources for this page(84)
  1. 1.Median year homes were built: 2006. 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.
  2. 2.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.
  3. 3.U.S. Census Bureau ACS 2020-2024 5-year, table B25024, via Census Reporter. Read Oct 5, 2026.
  4. 4.Share of homes built 2010 or later: 41.2%. 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.Share of homes built before 2000: 36.9%. 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.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.
  7. 7.Mobile homes, share of housing units: 0.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Owner-occupied share of occupied homes: 92.6%. 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.
  9. 9.Permit office: Marion County Building Safety. Marion County Building Safety. Read Oct 5, 2026.
  10. 10.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  11. 11.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  12. 12.OIR form. Read Oct 4, 2026.
  13. 13.Florida Office of Insurance Regulation. Read Oct 5, 2026.
  14. 14.Florida Office of Insurance Regulation, Uniform Mitigation Verification Inspection Form OIR-B1-1802 (Rev. 04/26). Read Oct 4, 2026.
  15. 15.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  16. 16.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  17. 17.FBCR Ch. 9. Read Oct 4, 2026.
  18. 18.FEMA Recovery Advisory 2. Read Oct 5, 2026.
  19. 19.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.
  20. 20.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25024 (Units in Structure), via Census Reporter API. Read Oct 5, 2026.
  21. 21.Marion County Building Safety (official page), Marion County, Florida. Read Oct 5, 2026. marionfl.org returns HTTP 403 to scripted fetches; page title 'Building Safety' seen in the search index and its FAQs subpage loaded in a browser 2026-10-05 under the Building Safety breadcrumb. Jurisdiction text NOT READ. Unincorporated CDP, so the county office is assumed by jurisdiction; not separately verified.
  22. 22.Fla. Stat. 553.844. Read Oct 4, 2026. Source URL inherited from RR-18 (the research cites it "as RR-18").
  23. 23.NOAA Atlas 14 Volume 9 (Southeastern States) version 2, partial-duration series point estimates, via the HDSC PFDS endpoint (ops/research/v3/services/data/noaa-atlas14-florida-rainfall.tsv), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  24. 24.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at the On Top of the World CDP internal point (2020 TIGER), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  25. 25.U.S. Census Bureau, 2020 Census (P.L. 94-171) POP100, via TIGERweb tigerWMS_Census2020 MapServer. Read Oct 5, 2026.
  26. 26.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.
  27. 27.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. 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. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01003 (Total Population), via Census Reporter API. Read Oct 5, 2026.
  30. 30.U.S. Census Bureau ACS 2020-2024 5-year, table B01002, via Census Reporter. Read Oct 5, 2026.
  31. 31.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. Read Oct 5, 2026.
  32. 32.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4673. Read Oct 5, 2026.
  33. 33.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  34. 34.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4828. Read Oct 5, 2026.
  35. 35.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4806. Read Oct 5, 2026.
  36. 36.FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4734. Read Oct 5, 2026.
  37. 37.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Nicole (AL172022). Read Oct 5, 2026.
  38. 38.NOAA NCEI U.S. Climate Normals 1991-2020, annual/seasonal (normals-annualseasonal-1991-2020), NCEI Access Data Service. Read Oct 5, 2026.
  39. 39.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  40. 40.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  41. 41.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  42. 42.Florida Statutes, section 713.135 (2026). Read Oct 5, 2026.
  43. 43.2023 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").
  44. 44.Miami-Dade County RER notice. Read Oct 5, 2026.
  45. 45.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).
  46. 46.Florida Building Commission. Read Oct 5, 2026.
  47. 47.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  48. 48.eng.ufl.edu. Read Oct 5, 2026. Source URL inherited from RR-41 (the research cites it "as RR-41").
  49. 49.2023 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). Source URL inherited from C-14 (the research cites it "as C-14").
  50. 50.apoc.com. Read Oct 5, 2026.
  51. 51.2023 Florida Building Code, Residential, 8th ed., Chapter 9 (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).
  52. 52.Florida Statutes, section 718.112 (2026). Read Oct 5, 2026.
  53. 53.2023 Florida Building Code, Residential, 8th ed., R318.5 (UpCodes viewer, unofficial transcription); FBC-Building 1503.7. Read Oct 5, 2026. FBC text read from UpCodes (unofficial transcription): check floridabuilding.org or the ICC viewer before quoting (spec 8.7).
  54. 54.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026. About the law, never about South Fork Roofing's licensing (license-display is banned on the preview, spec 1.1).
  55. 55.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026. Spec 1.7: never invite a claim; explain the statute, cite it, point to the insurer or agent.
  56. 56.Florida Statutes, section 553.837 (2026). Read Oct 5, 2026. It is the builder's duty; it says nothing about a roofer's own workmanship terms. Pages carry allowTerms for the word 'warranty' (spec 1.2).
  57. 57.consumerreports.org. Read Oct 5, 2026.
  58. 58.blogs.ifas.ufl.edu. Read Oct 5, 2026.
  59. 59.ufdcimages.uflib.ufl.edu. Read Oct 5, 2026.
  60. 60.thig.com. Read Oct 5, 2026.
  61. 61.Gutterall 6K hanger. Read Oct 5, 2026.
  62. 62.law.cornell.edu. Read Oct 5, 2026.
  63. 63.2023 Florida Building Code, Residential, 8th ed., Chapter 8 (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 NC-2 (the research cites it "as NC-2").
  64. 64.2023 Florida Building Code, Plumbing, 8th ed., Chapter 11 (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 COM-20 (the research cites it "as COM-20").
  65. 65.bergerbp.com. Read Oct 5, 2026. Source URL inherited from G-4 (the research cites it "as G-4").
  66. 66.NOAA Atlas 14 (HDSC Precipitation Frequency Data Server). Read Oct 5, 2026. Source URL inherited from G-1 (the research cites it "as G-1").
  67. 67.Citizens Property Insurance Corporation. Read Oct 4, 2026. Research grade: HIGH. The "dated within 12 months" rule appeared only in a search snippet of a Citizens FAQ · LOW.
  68. 68.Insp4pt 03 25. Read Oct 4, 2026. Source URL inherited from RM-08 (the research cites it "as RM-08").
  69. 69.2023 Florida Building Code, Residential, 8th ed., Chapter 3 (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).
  70. 70.FEMA. Read Oct 5, 2026.
  71. 71.FEMA FL-RA2. Read Oct 5, 2026. Source URL inherited from RM-01 (the research cites it "as RM-01").
  72. 72.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026. Research grade: MEDIUM (FEMA report itself not opened: fema.gov refused direct download)
  73. 73.TRI Alliance Technical Brief #2022-001 and #2021-01. Read Oct 5, 2026. Research grade: MEDIUM (industry association)
  74. 74.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  75. 75.ARMA Technical Bulletin "Algae Discoloration of Roofs", revised June 2024. Read Oct 5, 2026. Research grade: MEDIUM-HIGH
  76. 76.Owens Corning. Read Oct 5, 2026.
  77. 77.atlasroofing.com. Read Oct 5, 2026. Source URL inherited from RM-10 (the research cites it "as RM-10").
  78. 78.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  79. 79.Tile Roofing Industry Alliance. Read Oct 5, 2026. Source URL inherited from RR-38 (the research cites it "as RR-38").
  80. 80.FBCR Ch. 2. Read Oct 5, 2026. Source URL inherited from RR-06 (the research cites it "as RR-06").
  81. 81.Florida Statutes, section 489.105 (2026). Read Oct 4, 2026.
  82. 82.Florida Statutes, section 489.103 (2026). Read Oct 4, 2026. Research grade: HIGH. (Answers the PAA "Can a handyman do roof repairs in Florida?": only within this narrow exemption; the permit question is separate, RR-08.)
  83. 83.Wikipedia, "On Top of the World, Florida" (revision 1378603127). Read Oct 5, 2026.
  84. 84.Wikipedia, "Marion County, Florida" (revision 1375327071). Read Oct 5, 2026.

South Fork Roofing

Roof replacement in On Top of the World

Answer a few questions about the job, or call.

Request a quote407-242-2840
CallGet a quote