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Re-roofs · Union Park

Roof replacement in Union Park, FL

The median Union Park home was built in 1987, and 41.7 percent of homes here predate 1980. That suggests many original roofs in town have run well past their expected service life. Owners now face a replacement decision, with rules that change how big the job becomes.

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.

Union Park figures this page uses

Median year homes were built
1987
Share of homes built 2010 or later
0.7%
Share of homes built before 1980
41.7%
Owner-occupied share of occupied homes
60.6%

Home age

Older housing here means older roofs

Countywide, the median Orange County home dates to 1994, seven years newer than the 1987 figure here. Only 0.7 percent of Union Park homes were built in 2010 or later, against 19.3 percent across the county. That suggests few roofs in town came from recent construction, so most owners are dealing with a first or second roof.

Age also matters to your insurer. Citizens Property Insurance wants proof of five or more remaining years of useful life for shingle roofs past 25 years, and for tile, slate, clay, concrete or metal roofs past 50 years. With 41.7 percent of homes here built before 1980, some owners will be asked for that proof or a replacement. Ask your own insurer or agent how it applies to you.

Permit and rules

What a re-roof triggers in Union Park

Roof permits for Union Park come from the Orange County Division of Building Safety, since no city here has its own building office. The county takes permit applications and inspection requests only through its Fast Track portal. The Ninth (2026) Edition of the Florida Building Code applies to applications filed on or after December 31, 2026.

The 25% rule decides how much has to come off. Redo more than 25 percent of a roof section within 12 months and the whole covering on that section must be replaced. A roof built or replaced to the 2007 Florida Building Code or later gets a break: only the new portion must meet current code, and the county cannot change that exception. In a town with a 1987 median build year, most roofs will not qualify unless they were replaced since 2007.

Roofers also have to handle the deck. Florida law counts required roof-deck attachment and replacement of damaged wood sheathing as roofing work. With 60.6 percent of occupied homes here owner-occupied, most of you sign the contract yourselves. The permit card warns that a missing Notice of Commencement before the first inspection can leave you paying twice for the improvements.

Watch the permit clock. Under the code, a permit goes invalid if work has not started within 6 months of issuance, or if work stops for 6 months. Confirm timing with the county building office before you schedule.

Questions

Roof replacement in Union Park: questions

What is the 25% rule for roofing in Union Park?

If more than 25 percent of a roof section is repaired, replaced or recovered in a 12-month period, the whole covering on that section must be replaced. The exception covers a roof built or replaced to the 2007 Florida Building Code or later, where only the repaired part must meet current code. The Orange County Division of Building Safety handles permits for Union Park homes, so confirm how the rule applies to your roof with that office.

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

Related: Roof replacement

What is the 15 year roof rule in Florida?

A homeowner's policy cannot be denied or left unrenewed in Florida only because the roof is younger than 15 years. Once a roof is 15 years or older, the insurer must let you have an authorized inspector check it at your expense before requiring replacement. If that inspection shows 5 years or more of useful life remaining, the insurer may not refuse or non-renew solely for roof age. In Union Park, 60.6 percent of occupied homes are owner-occupied, so many households may face this question.

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 replacement

Who issues a roof permit in Union Park?

The Orange County Division of Building Safety issues the permit. Union Park is an unincorporated census-designated place, so the county, not a city, runs building review. You file through the Fast Track portal, and the permit lapses if the work stalls for 6 months. Call the building office to confirm timing before you schedule a crew.

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

Related: Roof replacement

Nearby

Roof replacement near Union Park

Sources for this page(24)
  1. 1.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  2. 2.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25034. Read Oct 5, 2026.
  3. 3.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.
  4. 4.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.
  5. 5.Share of homes built 2010 or later: 0.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Share of homes built before 1980: 41.7%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Permit office: Orange County Division of Building Safety. Orange County Division of Building Safety. Read Oct 10, 2026.
  8. 8.Orange County Government, Division of Building Safety. Read Oct 5, 2026.
  9. 9.Owner-occupied share of occupied homes: 60.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  10. 10.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
  11. 11.Miami-Dade County RER notice. Read Oct 5, 2026.
  12. 12.2023 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).
  13. 13.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  14. 14.Fla. Stat. 489.105(3)(e). Read Oct 5, 2026.
  15. 15.2023 Florida Building Code, Building, 8th ed., Chapter 1 (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-3 (the research cites it "as C-3").
  16. 16.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  17. 17.Orange County Division of Building Safety, ocfl.net. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  19. 19.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  20. 20.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.
  21. 21.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  22. 22.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  24. 24.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.

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Roof replacement in Union Park

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