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Repairs ยท Union Park

Roof repair in Union Park, FL

Only 1.1 percent of Union Park housing units are mobile homes, so most roofs here follow the Florida Building Code. That matters when a storm strips shingles or lifts a ridge vent. Orange County storms have caused real roof damage, and the repair rules turn on how much of the roof you touch.

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Updated October 2026

Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.

Union Park figures this page uses

Median year homes were built
1987
Mobile homes, share of housing units
1.1%
Water share of total area
1.1%

Storm damage

Where Union Park roofs fail in a storm

Union Park sits in Orange County, which Hurricane Milton hit in 2024 with gusts of 55-75 mph, locally 87 mph, and 4-8 inches of rain. According to the county's count, 188 structures were affected, and 32 of those suffered major damage. Hurricane Irma in 2017 peaked at 69 kt at Orlando International.

Among FEMA field teams, damaged roof covering ranks as a primary source of water intrusion. Ridge vents matter most: if one blows off, a large opening in the deck is exposed to rain. FEMA's example house lost only its ridge shingles and ridge vent from the roof, yet ceilings still collapsed inside.

Leaks also follow flashing. The code requires it at wall and roof intersections, slope changes and roof openings, so check those spots first. Soffits have also performed poorly in hurricanes, and a failed soffit often lets in water.

The median Union Park home was built in 1987, against 1994 countywide, and 41.7 percent of units predate 1980. That suggests many roofs here have been repaired or replaced at least once. Only 0.7 percent of units were built in 2010 or later.

Repair limits

Repair or replace: the 25 percent rule

Under the code, no more than 25 percent of a roof or roof section may be repaired, replaced or recovered within any 12-month period. Once the work exceeds that threshold, the entire roof or section has to be redone. Only when the roof itself was built, repaired or replaced to the 2007 Florida Building Code or a later edition does the exception apply. In that case, just the repaired portion has to meet current code.

Ask a roofer which roof section your repair falls in. Sections are divided by flashing, expansion joints, parapet walls or a change in roof type. Stacked patches in one year can add up to the 25 percent line.

For insurance purposes, roof age runs from the date 100 percent of the surface was built or replaced. When your roof is 15 years old or older, the insurer has to allow an authorized inspector to examine it, with you paying for that inspection. Take the details of your own policy to your insurer or agent.

Next steps

Steps to take once a storm has passed, and who pulls the permit for the work

Stay off the roof. After Hurricane Ian a man fell from a ladder clearing debris, and after Milton a man died falling off his roof while cleaning up. Check the attic and ceilings from inside for visible leaks, and photograph what you see.

No city office handles Union Park roofing paperwork. The Orange County Division of Building Safety does. Whether a small patch counts as a minor repair that needs no permit is that office's call, so ask before you start work.

Roofing contractors in Florida are prohibited by law from soliciting insurance claims or giving advice about coverage. For any question about what your policy covers, ask your insurer or agent directly. If a storm like Milton damages your Union Park roof, the insurer's one-year clock for a new claim starts on the date of loss.

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Questions

Roof repair in Union Park: questions

What is the 25% roof rule in Florida?

The code says no more than 25 percent of a roof or roof section may be repaired, replaced or recovered in 12 months unless the whole roof or section is replaced. If your roof in Union Park was built, repaired or replaced to the 2007 Florida Building Code or later, only the repaired part must meet current code. Confirm how it applies to your roof with the Orange County Division of Building Safety.

Source: Orange County Division of Building Safety, read Oct 5, 2026

Related: Roof repair

What is the 15 year roof rule in Florida?

Florida law bars an insurer from declining to issue or renew your homeowner's policy solely because the roof is less than 15 years old. When a roof is 15 years old or older, the insurer must let you have an authorized inspector check it at your own expense. The insurer may not refuse or non-renew solely for roof age if that inspection shows 5 or more years of useful life remaining. With a median home build year of 1987 in Union Park, many owners may face this question. Ask your own insurer how it applies to your policy.

Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035, read Oct 5, 2026

Related: Roof repair

Do I need a permit to repair my roof in Union Park?

Roof permits for Union Park come from the Orange County Division of Building Safety. Under the Florida Building Code, a building official may approve ordinary minor repairs without a permit, so a small shingle patch might not need one. That decision belongs to the official, not the roofer. Call the county building office before work starts and ask whether your repair counts as minor.

Source: Orange County Division of Building Safety, read Oct 5, 2026

Related: Roof repair

Which parts of a roof leak first in a hurricane?

Ridge vents, flashing and soffits fail most often. During Hurricane Milton in 2024, Orange County had 188 structures affected, 32 with major damage. FEMA reports that a lost ridge vent can leave a wide opening in the roof deck. Flashing leaks appear where the roof meets walls, chimneys and vent pipes. Check those spots and the attic after a storm, from inside the house.

Source: NWS Melbourne, County Impacts Associated with Milton (2024), read Oct 5, 2026

Related: Roof repair

Nearby

Roof repair near Union Park

Sources for this page(35)
  1. 1.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  2. 2.Hurricane Irma (2017). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017). Read Oct 5, 2026.
  3. 3.Hurricane Matthew (2016). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016). Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  6. 6.Median year homes were built: 1987. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035. Read Oct 5, 2026.
  8. 8.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  9. 9.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  10. 10.Mobile homes, share of housing units: 1.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.Water share of total area: 1.1%. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  12. 12.FEMA FL-RA2. Read Oct 5, 2026.
  13. 13.FBCR Ch. 9. Read Oct 4, 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).
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.FBCR Ch. 2. Read Oct 5, 2026.
  17. 17.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  19. 19.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  21. 21.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  22. 22.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  23. 23.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  24. 24.NWS Melbourne, County Impacts Associated with Milton (2024), National Weather Service. Read Oct 5, 2026.
  25. 25.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  26. 26.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  27. 27.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  28. 28.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  30. 30.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  31. 31.Orange County Government, Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  32. 32.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  33. 33.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Union Park 2020 Census internal point (28.5669, -81.2386), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  35. 35.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.

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Roof repair in Union Park

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