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Repairs ยท Windermere

Roof repair in Windermere, FL

Windermere has a Historic Preservation Board that oversees maintenance and restoration of the town's historic buildings, so ask about it before you change the look of an older roof. Water covers 28.2 percent of the town's area, and Orlando-area storms drive rain at the same roofs.

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Updated October 2026

Historic low white wooden building with a porch, flagpoles and large oak trees shading the front lawn.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Windermere town hall by SPUI, Public domain, cropped

Windermere figures this page uses

Median year homes were built
1989
Water share of total area
28.2%
Owner-occupied share of occupied homes
95.6%

Storm damage

Where Windermere roofs fail in a storm

Across Orange County in 2024, Hurricane Milton delivered 4 to 8 inches of rain along with gusts of 55 to 75 mph, and some spots saw 87 mph. Fire crews counted 188 structures affected, 32 of them with major damage. Wind finds the weak edges first.

FEMA field teams found that wind damage to roof covering was a primary source of water intrusion. The worst case is a lost ridge vent. FEMA's example house had ceilings collapse though the only roof damage was missing ridge shingles and ridge vent. Check your ridge line first.

  • Flashing at wall and roof joins, chimneys, vent pipes and changes of slope, where leaks tend to start.
  • Soffits, which failed often in past hurricanes until the 2007 code required wall-level wind resistance.
  • Look for shingle tabs that are cracked, curled or gone, felt showing through, and decking that feels soft underfoot.

Repair versus replace

Repair or replace under the 25% rule

Under the state building code, patching is limited to 25 percent of one roof section within any 12 months. Go past that on a Windermere house and the entire roof section must be replaced or recovered. Legally, this is the main dividing line between a repair and a replacement.

There is an exception. Where your roof was built, repaired or replaced under the 2007 Florida Building Code or a later edition, only the portion being repaired has to meet current code. A local government cannot amend that exception. The median Windermere home was built in 1989, which says nothing about when your roof was last done, so look at your own roof's paperwork.

Roof permits here go through the Town of Windermere Building Department, with permitting and inspections provided by PDCS, LLC. A small repair may pass as ordinary minor work without a permit, but the building official decides. Check with the building office before any work begins.

After the storm

What to do safely after a storm

Stay off the roof. After Hurricane Milton, a man in this county fell off his roof while cleaning debris, and after Ian another man died falling from a ladder. Take your damage photos from the ground, and cover any openings only from the inside.

If you have an insurance claim, your insurer or agent is the one to ask about coverage. Florida law bars roofing contractors from advising on it, and notice of a new claim must reach the insurer within 1 year of the loss date.

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Questions

Roof repair in Windermere: questions

What is the 25% roof rule in Florida?

Under the Florida Building Code, no more than 25 percent of a roof or roof section can be repaired, replaced or recovered in 12 months unless the whole roof section is replaced or recovered. The exception covers a roof only when it was built, repaired or replaced in compliance with the 2007 Florida Building Code or a later edition, and that 2007 code became effective on March 1, 2009. In Windermere, permits run through the Town of Windermere Building Department, with services by PDCS, LLC, so confirm your case there.

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

Related: Roof repair

Do I need a permit for a roof repair in Windermere?

The code requires a permit to alter or repair a building, but ordinary minor repairs may be made with the building official's approval and no permit. Whether your repair counts as minor is the local official's call. Windermere's building permitting and inspections are provided by PDCS, LLC for the town. Ask the Town of Windermere Building Department before work begins.

Source: FBC-B 2023 Ch. 1, read Oct 5, 2026

Related: Roof repair

Can my insurer make me replace my roof because of its age?

Once your roof reaches 15 years of age or more, the insurer has to let an authorized inspector examine it, and the cost of that inspection falls to you. It may not refuse or non-renew a policy solely for age if that inspection shows 5 or more years of useful life left. Most Windermere homes are owner-occupied, at 95.6 percent, so this affects many households. Your insurer or agent can speak to your own policy.

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

Related: Roof repair

What roof damage did Hurricane Milton cause in Orange County?

Milton brought gusts of 55 to 75 mph, locally 87 mph, and 4 to 8 inches of rain to the county. The National Weather Service counted 188 structures affected, 79 with minor damage and 32 with major damage. Lost ridge vents, damaged flashing and missing shingles are common ways water gets in after wind like that.

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

Related: Roof repair

Nearby

Roof repair near Windermere

Sources for this page(37)
  1. 1.Hurricane Milton (2024). NWS Melbourne, County Impacts Associated with Milton (2024). Read Oct 5, 2026.
  2. 2.Median year homes were built: 1989. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  4. 4.Town of Windermere, Building Department. Read Oct 5, 2026.
  5. 5.Permit office: Town of Windermere Building Department (services by PDCS, LLC). Town of Windermere Building Department (services by PDCS, LLC). Read Oct 10, 2026.
  6. 6.Hurricane Ian (2022). NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022). Read Oct 5, 2026.
  7. 7.Town of Windermere, Historic Preservation Board. Read Oct 5, 2026.
  8. 8.Water share of total area: 28.2%. U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  9. 9.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER). Read Oct 5, 2026.
  10. 10.Owner-occupied share of occupied homes: 95.6%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  11. 11.FEMA FL-RA2. Read Oct 5, 2026.
  12. 12.FBCR Ch. 9. Read Oct 4, 2026.
  13. 13.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. 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. 15.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  16. 16.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  17. 17.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  20. 20.NWS Melbourne, County Impacts Associated with Milton (2024), National Weather Service. Read Oct 5, 2026.
  21. 21.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  22. 22.Town of Windermere Building Department (services by PDCS, LLC), Town of Windermere Building Department. Read Oct 5, 2026.
  23. 23.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Ian (2022), National Weather Service. Read Oct 5, 2026.
  24. 24.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  25. 25.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, tables B25034/B25035, U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  26. 26.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  27. 27.2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), UpCodes (Florida Building Code transcription). Read Oct 5, 2026.
  28. 28.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER) (2020 Census count), U.S. Census Bureau. 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.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Windermere 2020 Census internal point (28.4981, -81.5416), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Windermere 2020 Census internal point (28.4981, -81.5416), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  33. 33.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  34. 34.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  35. 35.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  37. 37.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.

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Roof repair in Windermere

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