Roof repair in Glen Ridge, FL

Florida limits patching to 25 percent of a roof or roof section in any 12-month period. Past that, the whole section must be replaced to current code. Legally speaking, the dividing line between a repair and a replacement sits right here.

One exception exists for roofs built, repaired or replaced under the 2007 Florida Building Code or later. For those, current code applies only to the repaired area, and a town cannot change that by ordinance. Glen Ridge homes have a median build year of 1959, and that figure describes houses, not roofs. Ask a roofer which date applies to yours.

Insurers have their own age rule at 15 years. A homeowner may hire an authorized inspector at their own expense. If the inspector finds 5 or more years of useful life left, the insurer cannot refuse or non-renew solely for roof age. How that rule applies to your particular policy is something your agent or insurer can explain.

Stay off a wet or damaged roof. From the ground, look for missing or loose tabs, exposed felt and lifted ridge shingles. Inside, check the attic and ceilings for stains, which are visible leaks.

Whether a small repair needs a permit is the local building official's decision. Glen Ridge has a Building Division, so confirm there before work starts. Florida law also bars roofing contractors from offering anything of value for an inspection or claim. Check your coverage with your insurer before signing a contract.