Roof replacement in Martin County, FL

About 33.5 percent of Martin County homes were built before 1980, and only 7.4 percent in 2010 or later. By our arithmetic, that leaves roughly 59 percent built between 1980 and 2009. Many of those roofs are likely on a second or third covering.

Age also matters when your insurer renews the policy. Citizens sets its own cutoffs: 25 years for a shingle roof and 50 years for tile, slate or metal. Past those ages it wants documented remaining life. Ask your own insurer or agent what applies to your roof before you choose between repair and replacement.

Not every roof here is a single-family shingle roof. 8.8 percent of housing units are mobile homes, and 14.8 percent sit in buildings of 10 or more units. Those roofs follow different materials and ownership rules, so confirm the scope with the building department.

Your Martin County roof follows the standard Florida Building Code, not the High-Velocity Hurricane Zone version, which applies only in Miami-Dade and Broward. Since December 31, 2023, the 2023 edition is the one in force. Any application filed from December 31, 2026 onward will be reviewed under the Ninth Edition.

The 25% rule is the one that surprises owners. Repair, replace or recover more than a quarter of a roof section in any 12-month period, and the whole section must be done. An exception applies if the roof was built or redone to the 2007 code or later: then only the repaired part must meet current code.

A roofing contractor's scope includes required roof-deck attachments and replacing wood sheathing as needed. Damaged sheathing found at tear-off is part of the job, so ask how it will be handled before you sign.

Stuart also has an East Stuart Historic District and a historic preservation program. If your home is inside it, ask the city what review applies before you pick a material.