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Re-roofs ยท Windermere

Roof replacement in Windermere, FL

Windermere's median home was built in 1989, with a margin of error of plus or minus 5 years. That suggests many roofs on Windermere homes are now in their mid-30s or older. If you plan a roof replacement, the permit and inspection steps shape the job from the first day.

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Updated October 2026

Historic low white wooden building with a porch, flagpoles and large oak trees shading the front lawn.
Drone view of a single-story home mid re-roof: part of the roof stripped to white synthetic underlayment, the rest still in gray shingles, a dump trailer of debris and a pickup in the driveway.Our work
Photo: Windermere town hall by SPUI, Public domain, cropped

Windermere figures this page uses

Share of homes built before 1980
34.3%
Share of homes built 2010 or later
9.5%
Housing units (ACS 5-year)
1,359
Single-family detached share of housing units
98.1%

Housing age

How old Windermere roofs tend to be

About 34.3 percent of Windermere homes were built before 1980. Only 9.5 percent were built in 2010 or later. Most of the 1,359 housing units here are likely older roofs that have not been replaced.

Countywide, the median year built is 1994. Windermere is five years older than that, so local roofs may have more years of wear than the county average. Your insurer may ask about roof age when you apply or renew.

Florida law lets an insurer refuse a policy because of roof age only in limited cases. For a roof 15 years or older, the insurer must allow an inspection, and the homeowner pays for it. Ask your insurer or agent how these rules apply to your home.

Permit steps

Permits and inspections for a Windermere re-roof

The Town of Windermere Building Department handles roof permits, and the work is done by PDCS, LLC on the town's behalf. Confirm current details with the department before you file.

A permit is not a permanent approval. Your permit lapses under the building code when work fails to begin within 6 months of issuance, or when work halts for a full 6 months. Schedule your start date with that clock in mind.

A Notice of Commencement has to be recorded and displayed at the job site prior to the first inspection. Without it, the building code warns the owner may end up paying twice for the same work.

  • Confirm the permit with the Windermere Building Department before work starts.
  • Post the Notice of Commencement on site before the first inspection.
  • Ask the roofing contractor to confirm the roofing certification and the deck-attachment scope in writing.

The 25% rule

The 25 percent rule as it applies to single-family residences

Under the current code, no more than 25 percent of a roof can be repaired or replaced in any 12-month period unless the whole roof covering is replaced. In Windermere, where 98.1 percent of housing units are single-family detached homes, this rule applies to most re-roofs.

A roof built, repaired or replaced to the 2007 Florida Building Code or later can be exempt, so only the repaired part must meet the current code. A town cannot change that exception by local ordinance. Look for the permit record on your home before assuming the exception applies.

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Questions

Roof replacement in Windermere: questions

What is the 25% roof rule in Florida?

The 25% rule limits how much of a roof can be repaired or replaced in any 12-month period without bringing the whole roof covering up to current code. In Windermere, where 98.1 percent of housing units are single-family detached homes, most roof work here falls under it. Work is exempt if the current roof was constructed or repaired under the 2007 Florida Building Code or a later edition. Confirm with the Windermere Building Department how it applies to your roof.

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

Related: Roof replacement

What is the new law in Florida about roofs?

On December 31, 2023, the Florida Building Code's 2023 edition became enforceable statewide. Projects submitted on or after December 31, 2026 are governed by the Ninth Edition, which becomes effective on that same date. Many Windermere homes were built around 1989, so older roofs may be due for review under whichever edition applies. For a Windermere re-roof, check which edition applies at the date you file. The Windermere Building Department can tell you which code governs your permit.

Source: FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, read Oct 5, 2026

Related: Roof replacement

How old are most homes in Windermere?

The median year homes were built in Windermere is 1989, with a margin of error of plus or minus 5 years. Roughly 34.3 percent of the housing stock was put up before 1980. Only 9.5 percent were built in 2010 or later. Many roofs here are likely older than 25 years, so check the age and condition before deciding on a replacement.

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

Does a roof replacement in Windermere need a permit?

Roof work in Windermere goes through the Town of Windermere Building Department, with permitting services provided by PDCS, LLC. Work must start within 6 months of issue, and a Notice of Commencement must be recorded and posted before the first inspection. Check the current requirements with the department before you start.

Source: Town of Windermere, Building Department, read Oct 5, 2026

Related: Roof replacement

Nearby

Roof replacement near Windermere

Sources for this page(29)
  1. 1.Share of homes built before 1980: 34.3%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  2. 2.Share of homes built 2010 or later: 9.5%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  3. 3.Housing units (ACS 5-year): 1,359. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  4. 4.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.
  5. 5.U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API, table B25035. Read Oct 5, 2026.
  6. 6.Permit office: Town of Windermere Building Department (services by PDCS, LLC). Town of Windermere Building Department (services by PDCS, LLC). Read Oct 10, 2026.
  7. 7.Town of Windermere, Building Department. Read Oct 5, 2026.
  8. 8.Single-family detached share of housing units: 98.1%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), via Census Reporter API. Read Oct 5, 2026.
  9. 9.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.
  10. 10.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  11. 11.2023 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").
  12. 12.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026.
  13. 13.Fla. Stat. 489.105(3)(e). 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).
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  17. 17.Miami-Dade County RER notice. Read Oct 5, 2026.
  18. 18.Town of Windermere Building Department (services by PDCS, LLC), Town of Windermere Building Department. Read Oct 5, 2026.
  19. 19.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.
  20. 20.Town of Windermere, Historic Preservation Board, Town of Windermere. Read Oct 5, 2026.
  21. 21.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  22. 22.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.
  23. 23.U.S. Census Bureau, 2020 Census (TIGERweb tigerWMS_Census2020 MapServer: POP100, HU100, AREALAND, AREAWATER), U.S. Census Bureau. Read Oct 5, 2026.
  24. 24.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.
  25. 25.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.
  26. 26.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Irma (2017), National Weather Service. Read Oct 5, 2026.
  27. 27.NWS Melbourne, Lightning Information Center, National Weather Service. Read Oct 5, 2026.
  28. 28.NWS Melbourne, Post Tropical Cyclone Report: Hurricane Matthew (2016), National Weather Service. Read Oct 5, 2026.
  29. 29.NOAA NCEI, U.S. Climate Normals 1991-2020 (annual/seasonal), access-data API, NOAA National Centers for Environmental Information. Read Oct 5, 2026.

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Roof replacement in Windermere

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