Miami-Dade County ยท Census-designated place
Roofing in The Crossings, Florida
In The Crossings the median home was built in 1981, according to the Census Bureau's five-year survey. That means many roofs here are likely past the age where insurers start asking for paperwork. The county building office issues roof permits for this area, so that is where your job will be checked. Start with the age of your own roof and the rules that apply to it.
Updated October 2026
Roof age and your policy
How old roofs in The Crossings affect insurance
The median home here dates to 1981, and nearly half of the homes, 46.3 percent, were built before 1980. A roof on a home that old has often reached or passed the age where insurers look closely. Many roofs here are likely older than 25 years.
Citizens Property Insurance asks for proof of at least five years of remaining useful life on roofs older than 25 years if they are shingle, and older than 50 years if they are tile, slate, clay, concrete or metal. If you hold a Citizens policy, ask your agent what paperwork they need before you file or renew.
Only 1 percent of homes here were built in 2010 or later. Few homes here have a recent roof built under current code by age alone, so check the permit history for your own address with the county.
What the county will require
Repairs, the 25 percent rule and permits in Miami-Dade
Under the 25 percent rule, no more than 25 percent of your roof area can be repaired, replaced or recovered in any 12-month period unless the whole roof covering is replaced. Miami-Dade applies the same wording in its High Velocity Hurricane Zone rules. If your roof was built or repaired under the 2007 code or later, only the repaired section must meet current code.
The Crossings is unincorporated, so the Miami-Dade County Regulatory and Economic Resources department issues your roof permit. Permits expire if work does not start within 6 months of issue, and an application lapses 180 days after filing unless work moves forward in good faith.
- Confirm the permit with the county before work starts.
- If your contract calls for it, file a Notice of Commencement before work starts.
- Check that the contractor holds the roofing license the state requires.
Building permits
Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits
Official building pageOffice names and links only. Fees, forms and timing change; check the official page.
Wind and water
Storms and heavy rain in The Crossings
Miami-Dade sits in the High Velocity Hurricane Zone, which carries the strongest roof provisions in Florida. In 2017, Hurricane Irma tore up roughly 1,000 homes throughout Miami-Dade. Hurricane season here runs June 1 to November 30, with the peak around September 10.
Rain is heavy here. Each year Miami International Airport records 67.41 inches of rain, and most of it, 76.6 percent, arrives between May and October. June is the wettest month. For a 10-year storm, a 1-hour burst can reach 3.36 inches an hour, so check gutters and flashing before the wet season.
Local record
On record for The Crossings
- Housing mix: 51.6% single-family detached and 18.5% in buildings with 10+ units.
Services
Roofing services in The Crossings
- Roof replacementTear-off, deck, code items and the two inspections.Re-roofs in The Crossings
- Roof repairLeaks, lifted shingles, cracked tile and flashing.Repairs in The Crossings
- Roof inspectionsRoof age, condition and what an insurer asks about.Inspections in The Crossings
- Commercial roofingLow-slope systems, drainage and the code for buildings.Commercial roofs in The Crossings
- New construction roofingDry-in, the sheathing inspection and the code edition.New construction in The Crossings
- GuttersSizing for Florida rain, downspouts and fascia.Gutters in The Crossings
Questions
The Crossings roofing questions
What is the 25% roof rule in Florida?
The 25 percent rule limits roof work on an existing building to no more than 25 percent of the roof area in any 12-month period, unless the whole roof covering is replaced. In The Crossings, the county building office enforces this rule for your permit. If your roof was built or repaired under the 2007 code or later, only the repaired section must meet current code. Confirm the details for your own roof with the Miami-Dade County Regulatory and Economic Resources department.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
What is the new law in Florida about roofs?
Starting December 31, 2026, the Ninth Edition of the Florida Building Code goes into force. Any permit application or set of plans filed on or after that date has to meet the new edition's requirements. The Eighth Edition came into effect on December 31, 2023. For a roof in The Crossings, the county building office applies the edition in force on the date your application is filed, so check the timing with that office before you apply.
Source: Miami-Dade County RER notice, read Oct 5, 2026
How old are roofs in The Crossings?
The median home in The Crossings was built in 1981, and 46.3 percent of homes were built before 1980. Just 1 percent of them went up in 2010 or later. Many roofs here are likely older than 25 years, which matters for insurance paperwork. Check your own roof's installation date with your contractor or your permit 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
Do I need a permit to replace my roof in The Crossings?
The Crossings is unincorporated Miami-Dade County, so the county Regulatory and Economic Resources department issues roof permits. A permit that does not start within 6 months of issue becomes invalid. Ask the contractor to pull the permit and confirm it with the county before work begins.
Source: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, read Oct 5, 2026
Does Citizens need proof of roof age in The Crossings?
For shingle roofs over 25 years old, or tile, slate, clay, concrete or metal roofs over 50 years old, Citizens Property Insurance wants proof that at least five years of useful life remain. Many homes here were built around 1981, so check your roof's age early. Ask your insurance agent exactly what documents Citizens will accept.
Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026
Miami-Dade County
More in Miami-Dade County
Sources for this page(25)
- 1.Median year homes were built: 1981. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built before 1980: 46.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 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.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.Share of homes built 2010 or later: 1%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 6.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.
- 7.Permit office: Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits. Read Oct 10, 2026.
- 8.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 9.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 10.Hurricane Irma (2017). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017). Read Oct 5, 2026.
- 11.NOAA National Hurricane Center, Tropical Cyclone Climatology. Read Oct 5, 2026.
- 12.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
- 13.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service). Read Oct 5, 2026.
- 14.People (2020 Census): 23,276. U.S. Census Bureau, 2020 Census counts (POP100, HU100) via TIGERweb tigerWMS_Census2020 layer 28 (Census Designated Places). Read Oct 5, 2026.
- 15.Owner-occupied share of occupied homes: 72.6% (6,096 of 8,392). U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API. Read Oct 5, 2026.
- 16.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
- 17.2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 18.Miami-Dade County Regulatory and Economic Resources (RER) - Building & Permits, Miami. Read Oct 5, 2026.
- 19.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
- 20.Florida Statutes, section 489.113 (2026), Florida Legislature. Read Oct 5, 2026.
- 21.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
- 22.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
- 23.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at The Crossings 2020 Census internal point (25.6706, -80.4008), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 24.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
- 25.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
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