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Re-roofs ยท Surfside

Roof replacement in Surfside, FL

The median home in Surfside was built in 1973, with a margin of error of plus or minus 5 years. That suggests many roofs on Surfside homes are likely past their first 25 years. A re-roof here runs through a permit, two inspections and a set of Miami-Dade wind rules.

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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.

Surfside figures this page uses

Share of homes built before 1980
59.6%
Share of homes built 2010 or later
10.1%
Single-family detached share of housing units
37.9%
Median year homes were built
1973

Housing age

Surfside homes of different ages tend to show roof wear in different ways, so the year your house was built matters

Roughly 60 percent of Surfside homes were built before 1980. Among the town's homes, a build year after 2010 is uncommon, at about 10 percent. Many roofs in town are therefore likely original or close to it, and an older roof may already be approaching the point where an insurer asks for documentation.

Surfside also has a large share of condominium buildings next to the beach. Owners of single-family homes make up a smaller slice of the housing stock, so a roof question here often belongs to a building association rather than one owner. Confirm who holds the roof decision before you request work.

Permits and rules

What a re-roof in Surfside requires

Miami-Dade County sits in the High Velocity Hurricane Zone, so roof work here follows the strictest wind provisions in Florida. Every reroof needs a permit, and the application must be completed by a licensed roofing contractor. Check the Town of Surfside building office for the current application form and inspection schedule.

  • Obtain the permit before any tear-off begins.
  • Schedule the inspections the permit card lists, including the deck nailing check.
  • Confirm that a secondary water barrier is installed under the new covering.
  • Record a Notice of Commencement if the contract requires one, and post it on site.
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Questions

Roof replacement in Surfside: questions

Who issues roof permits in Surfside?

The Town of Surfside building office issues roof permits for work in town. Surfside is inside Miami-Dade County, so the High Velocity Hurricane Zone rules apply to the permitted work. Ask the building office for its current application and inspection schedule before you sign a contract. The office can confirm which forms your roof project needs.

Source: Town of Surfside - Building, read Oct 5, 2026

Related: Roof replacement

Does my insurer care how old my roof is?

An insurer in Florida cannot turn down a policy based only on the fact that a roof is less than 15 years old. When a roof is 15 years old or more, the insurer is allowed to ask for an inspection and make you pay for it. In Surfside, where the median home dates to 1973, many owners will reach that threshold. If that inspection shows five or more years of useful life, the insurer may not refuse or non-renew solely for age. Speak with your insurer or agent about your own policy.

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

Related: Roof replacement

Are many Surfside homes second homes?

About 30 percent of Surfside housing units are vacant and held for seasonal or occasional use, compared with 4.6 percent for Miami-Dade County. Owner-occupied homes make up 74 percent of occupied units. Seasonal owners should arrange a local contact who can let the roofer on site and sign any permit notices.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near Surfside

Sources for this page(27)
  1. 1.Share of homes built before 1980: 59.6%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 10.1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.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.
  5. 5.Single-family detached share of housing units: 37.9%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.Wikipedia, 'Surfside, Florida' (revision 1378566173). Read Oct 5, 2026.
  7. 7.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.
  8. 8.Permit office: Town of Surfside - Building. Town of Surfside - Building. Read Oct 10, 2026.
  9. 9.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, via Census Reporter API. Read Oct 5, 2026.
  10. 10.Median year homes were built: 1973. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  11. 11.Owner-occupied share of occupied homes: 74.0% (1,454 of 1,965). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
  12. 12.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25004, B01001, via Census Reporter API. Read Oct 5, 2026.
  13. 13.OpenFEMA DisasterDeclarationsSummaries v2 (EM-3560, Surfside Building Collapse). Read Oct 5, 2026.
  14. 14.2023 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").
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  17. 17.Town of Surfside - Building, Town of Surfside. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  19. 19.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  20. 20.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  21. 21.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  22. 22.Florida Building Commission, Florida Building Commission. Read Oct 5, 2026.
  23. 23.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  24. 24.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  25. 25.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  26. 26.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  27. 27.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.

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Roof replacement in Surfside

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