Miami-Dade County · Census-designated place

Roofing in Country Club, Florida

Country Club sits between the town of Miami Lakes to the south and the city of Miramar in Broward County to the north, and the county building office in Miami-Dade issues your roof permit. Most homes here went up around 1988, so roof age and insurer rules matter now.

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Updated October 2026

Drone view looking down on a single-story home with a gray shingle roof, a backyard patio with chairs, a white vinyl fence, palm trees and a debris container at the edge of the frame.

At a glance

Country Club homes at a glance

People (2020 Census): 49,967
Median year homes were built: 1988
Share of homes built before 1980: 19.4%
Share of homes built 2010 or later: 3%
Owner-occupied share of occupied homes: 45.7%

Census figures; each one is listed in the sources at the end of this page.

Housing and age

Homes built around 1988 and what that means for roofs

The median home in Country Club was built in 1988, which is newer than the county figure of 1980. Only 19.4 percent of homes here predate 1980, against 49.6 percent across Miami-Dade County. That suggests many roofs here have been replaced once already, though a home's build year does not tell you its roof's age.

Check your own paperwork. An old permit, a replacement invoice or a date written in the attic will tell you more than the neighborhood's build year. If you find nothing, ask the county building office whether a roof permit was ever pulled for your address.

Most housing here is not a detached house. Buildings with 10 or more units hold 46.1 percent of homes, while single-family detached homes make up 20.3 percent. Only 45.7 percent of occupied homes are owner-occupied. In many cases the roof belongs to an association or landlord, so ask who decides on replacement before you call anyone.

Florida roof rules

The 25 percent rule and insurer roof inspections

Florida's 25 percent rule applies to any roof you repair here. Once more than a quarter of a roof section is repaired or replaced within 12 months, the entire section must be brought up to current code. The exception covers only a roof built, repaired or replaced under the 2007 Florida Building Code or later, which took effect March 1, 2009.

Insurers may question older roofs. Under Florida Statute 627.7011(5), a roof 15 years or older can be checked by an authorized inspector at your expense. If that inspection shows 5 or more years of useful life left, the insurer may not refuse or non-renew you solely because of age. What your own policy covers is a question for your agent.

A new code edition is coming. The Ninth (2026) Edition takes effect December 31, 2026, and permit applications filed on or after that date must follow it. Applications before then fall under the Eighth Edition, which dates from December 31, 2023.

Sits between the town of Miami Lakes (south) and the city of Miramar in Broward County.
46.1% of housing units are in buildings with 10 or more units.

Permits and code

Permits and the high velocity hurricane zone in Miami-Dade County

Country Club is unincorporated, so Miami-Dade County Regulatory and Economic Resources issues roof permits here. Miami-Dade is also one of two counties in the Florida Building Code's High Velocity Hurricane Zone, which carries the strong hurricane provisions South Florida adopted after Hurricane Andrew. Roofing products must meet that standard.

Ask any roofer for the product's Miami-Dade Notice of Acceptance number. A Notice of Commencement matters too: the permit card warns that skipping it may mean paying twice, and it must be recorded and posted before the first inspection. A permit also becomes invalid if work has not started within 6 months after it is issued.

Mobile homes are rare here, at 0.3 percent of housing units, and seasonal homes are 0.4 percent. Most roofs in Country Club fall under the regular building code and county permit process.

Storms and rain

Summer rain and hurricane season on your roof

At Miami International Airport, normal annual rainfall is 67.41 inches, and 76.6 percent of that comes between May and October. Rainfall peaks in June, when the average total reaches 10.51 inches. The hurricane season runs June 1 to November 30, with the peak around September 10, so schedule roof work before late summer.

Short bursts matter as much as totals. Rain at this location can fall at 3.38 inches an hour for one hour in a 10-year storm, and 14.6 inches can fall in 24 hours in a 100-year storm. Flashing, valleys and drainage take that load.

Past storms show the range. Hurricane Irma in 2017 left about 1,000 Miami-Dade homes with major damage, and Hurricane Dorian in 2019 prompted a hurricane warning for the county while staying offshore.

Permits

Roof permits for Country Club

Building permits

Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits

Official building page

Office names and links only. Fees, forms and timing change; check the official page.

Services

Roofing services in Country Club

Questions

Country Club roofing questions

What is the 25 percent roof rule in Florida?

Repairing, replacing or recovering more than 25 percent of a roof section in any 12-month period means the whole section must meet current code. An exception applies if that roof was built, repaired or replaced under the 2007 Florida Building Code or later; then only the repaired part must meet current code. In Country Club, Miami-Dade County Regulatory and Economic Resources issues the permit, so confirm there before starting.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

Who issues roof permits in Country Club?

Miami-Dade County Regulatory and Economic Resources, through its Building and Permits office. Country Club is a census-designated place and not an incorporated city, so there is no separate town building department. Because the county is in the High Velocity Hurricane Zone, expect the product to need a Notice of Acceptance, and expect the permit to become invalid if work does not begin within 6 months.

Source: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, read Oct 5, 2026

Related: Roof replacement

My roof is 15 years old. Can my insurer drop me?

Under Florida Statute 627.7011(5), an insurer must let you have an authorized inspector check a roof that is 15 years or older, at your expense, before requiring replacement. If the inspection shows 5 or more years of useful life left, the insurer may not refuse or non-renew solely because of the roof's age. Since the median home here dates to 1988, this may apply to you. Your agent can explain your policy.

Source: Florida Statutes, section 627.7011 (2026), read Oct 4, 2026

Related: Roof inspections

Does my condo or townhome association handle the roof?

Often it does. In Country Club, 46.1 percent of housing units are in buildings with 10 or more units, and only 45.7 percent of occupied homes are owner-occupied. If your building shares a roof, the association or owner usually decides on repair and permits. Read your governing documents, then ask the board who pulls the Miami-Dade County permit.

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: Commercial roofing

When is the riskiest time of year for my roof?

June through October. Miami International Airport gets 76.6 percent of its yearly rain in those months, and hurricane season runs June 1 to November 30 with the peak around September 10. A 100-year storm can drop 14.6 inches of rain in 24 hours at this location, so finish repairs before late summer.

Source: NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), read Oct 5, 2026

Related: Roof repair

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Near Country Club

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