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Repairs ยท Ocean Breeze

Roof repair in Ocean Breeze, FL

About 22.5 percent of Ocean Breeze housing units are mobile homes, well above the 8.8 percent county share. That mix shapes what a roof repair means here. The park homes follow federal HUD rules, and the site-built homes follow the Florida Building Code.

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Updated October 2026

Concrete seawalk path running beside calm water, with young palm trees and a few low buildings in the distance.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Ocean Breeze Resort 37 by Stephen B Calvert Clariosophic, CC BY-SA 4.0, cropped

Storm damage

Where roofs fail in storms near Ocean Breeze

Martin County has taken wind and water from Hurricane Matthew in 2016, Irma in 2017 and Isaias in 2020. Isaias brought 42 kt sustained wind to Stuart Beach. Irma pushed 1 to 3 feet of surge above ground along the coast. The hurricane season on Florida's coast starts June 1 and ends November 30.

FEMA field teams found that damaged roof covering is a primary path for water to enter a house. Leaks follow the places the code requires flashing: wall and roof intersections, slope changes and roof openings. Check those spots first after a blow.

After that, look at the ridge vents and soffits, which tend to fail next. FEMA documented a house whose ceilings collapsed though the only roof damage was lost ridge shingles and ridge vent. Soffits have historically performed poorly, and lost soffit often means heavy water intrusion.

Repair limits

The 25 percent rule and how it decides between repairing and replacing

Under Florida's code, patching cannot exceed 25 percent of a roof or roof section within any 12-month period. Once repairs go beyond that, the entire roof or section has to be redone. That line separates repair from replacement.

The exception matters in Ocean Breeze, where 83.2 percent of housing units were built in 2010 or later. A roof itself built, repaired or replaced under the 2007 Florida Building Code or later only needs the repaired part to meet current code. A homeowner should confirm which edition the roof was built under, because home age alone does not prove it.

Mobile homes follow the HUD code, so the Florida Building Code's repair limits are not the rule for them. Whether a small repair needs a permit is the building official's call, so confirm with the Town of Ocean Breeze Building & Permitting office before work starts.

After the storm

What to do safely after a storm

  • Stay off the roof until wind and rain have passed.
  • Look from the ground for missing or curled shingles, lost ridge cap and loose vent covers.
  • Check the attic and ceilings for visible leaks, and photograph them.
  • Tarp only what you can reach safely from the ground or a ladder.
  • Report any loss to your insurer. The deadline for a new claim is 1 year from the date of loss.

A roofer may not offer anything of value for an inspection or a claim, and may not advise you on what your policy covers. Ask your insurer or agent about coverage.

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Questions

Roof repair in Ocean Breeze: questions

What is the 15 year roof rule in Florida?

Fla. Stat. 627.7011(5) is the source of Florida's 15 year roof rule. For a roof 15 years old or older, the insurer must allow the homeowner to have an authorized inspector check it at the homeowner's expense before requiring the roof to be replaced. If the inspection shows 5 or more years of useful life remaining, the insurer may not refuse or non-renew coverage solely because of the roof's age. When an insurer approves an inspector, that person counts as authorized, and the list can include a licensed home inspector, roofing contractor, engineer or architect. In Ocean Breeze, the median home was built in 2017, but each roof has its own age and history.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API, read Oct 5, 2026

Related: Roof repair

Does Ocean Breeze fall in the High Velocity Hurricane Zone?

No. The High Velocity Hurricane Zone covers only Miami-Dade and Broward, so Martin County falls outside it. Roof work here follows the standard Florida Building Code. The code still sets wind design requirements by address, using ASCE 7-22 wind speed maps to sort a home into a wind region.

Source: Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used), read Oct 5, 2026

Related: Roof repair

How much of my roof can be repaired at once?

The code caps patching at 25 percent of a roof or roof section in 12 months, unless the roof was built or repaired to the 2007 Florida Building Code or later. With 83.2 percent of Ocean Breeze homes built in 2010 or later, the exception may apply to many roofs. Confirm with the town building office.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API, read Oct 5, 2026

Related: Roof repair

Do mobile homes in Ocean Breeze follow the same roof rules?

No. About 22.5 percent of Ocean Breeze housing units are mobile homes, and they follow the HUD code rather than the Florida Building Code. Ask the Town of Ocean Breeze building office which rules and permits apply to a repair on your home.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof repair

Nearby

Roof repair near Ocean Breeze

Sources for this page(40)
  1. 1.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  2. 2.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
  3. 3.Hurricane Isaias (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020). Read Oct 5, 2026.
  4. 4.Median year homes were built: 2017. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  8. 8.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  9. 9.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  10. 10.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Wikipedia, 'Ocean Breeze, Florida' (revision 1378600849). Read Oct 5, 2026.
  12. 12.Permit office: Town of Ocean Breeze - Building & Permitting. Town of Ocean Breeze - Building & Permitting. Read Oct 10, 2026.
  13. 13.Mobile homes, share of housing units: 22.5%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  14. 14.NOAA NHC. Read Oct 5, 2026.
  15. 15.FEMA FL-RA2. Read Oct 5, 2026.
  16. 16.FBCR Ch. 9. Read Oct 4, 2026.
  17. 17.2023 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).
  18. 18.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  20. 20.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  21. 21.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  22. 22.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  23. 23.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  24. 24.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  25. 25.OIR form. Read Oct 4, 2026.
  26. 26.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020), NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  31. 31.Town of Ocean Breeze - Building & Permitting, townofoceanbreeze.com. Read Oct 5, 2026.
  32. 32.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  33. 33.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  34. 34.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Ocean Breeze 2020 Census internal point (27.2409, -80.2252), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  37. 37.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Ocean Breeze 2020 Census internal point (27.2409, -80.2252), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  38. 38.U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 26 (Incorporated Places), U.S. Census Bureau. Read Oct 5, 2026.
  39. 39.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  40. 40.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof repair in Ocean Breeze

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