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Roof repair in Golf, FL

Golf has 0 percent mobile homes among its 189 housing units, so the Florida Building Code, not the HUD code, governs roof repair here. Storms that cross Palm Beach County still reach these roofs. Below: where they fail, when a repair is enough, and what to do after wind.

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Updated October 2026

A calm lake edged by green lawn and tall moss-draped oak trees under an overcast sky.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Victoria Hills Golf Club-1861 by Gamweb, CC BY-SA 3.0, cropped

Golf figures this page uses

Housing units (ACS 5-year)
189
Median year homes were built
1975
Mobile homes, share of housing units
0%

Storm damage

Where Golf roofs fail in a hurricane or tornado

Golf's median home was built in 1975, against 1986 for Palm Beach County. Every one of the village's 189 housing units is a single-family detached house. A roof on an older house like that may carry flashing and vents that predate the current code, so check them first.

FEMA teams found that wind-damaged roof covering was a primary source of water getting inside. Leaks follow the places the code requires flashing: wall-to-roof joints, changes of slope, chimneys and vent pipes. Ridge vents matter too. FEMA recorded ceilings collapsing in a house whose only roof damage was lost ridge shingles and ridge vent.

Wind has come close before. In 2016, Matthew pushed tropical-storm-force sustained winds onto the coast from Palm Beach County northward. In 2022, an EF-2 tornado in the county collapsed the roof of one house during Hurricane Ian.

Repair or replace

Repair or replace: the 25 percent rule

The code caps repair at 25 percent of a roof or roof section in any 12-month period. Go over that and the entire section needs new covering. With a 1975 median build year, many Golf roofs have likely been redone since, but the code edition on your roof is what counts.

There is one exception. If your roof was itself built, repaired or replaced to the 2007 Florida Building Code or later, only the repaired part must meet current code. A local government cannot amend that exception. Ask the village building office how it treats a small repair and whether it needs a permit.

  • Cracked, curled, missing or loose tabs, and granule loss
  • Exposed felt or soft spots in the decking
  • Stains or visible leaks on attic decking and ceilings

After the storm

What to do safely after a storm

Stay off a wet or damaged roof. From the ground, look for missing shingles, lifted ridge pieces and open flashing. Photograph what you see and put a tarp over any opening only if you can do it without climbing. Hurricane season runs June 1 to November 30, so keep tarp supplies on hand.

About 67.2 percent of Golf residents are 65 or older, so ask for help rather than lift or climb. For insurance, deal with your insurer or agent directly. A contractor may not advise you on coverage or offer anything of value for an inspection or a claim. Notice of a new claim must reach the insurer within one year of the loss.

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Questions

Roof repair in Golf: questions

What is the 25% roofing rule in Florida?

The Florida Building Code limits repair, replacement or recovering to 25 percent of a roof section in any 12-month period. Beyond that point the full section must be redone. The exception: a roof built, repaired or replaced to the 2007 Florida Building Code or later only needs the repaired part to meet current code. This applies to Golf's site-built homes, since the village has 0 percent mobile homes.

Source: U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API, read Oct 5, 2026

Related: Roof repair

Does a small roof repair in Golf need a permit?

The code says ordinary minor repairs may be made with the building official's approval and no permit. Whether your repair qualifies is the local building official's call. Confirm with the Village of Golf building office before work starts, since the village page is where roof permits are handled.

Source: Village of Golf - Building, read Oct 5, 2026

Related: Roof repair

Can my insurer make me replace a roof that is 15 years old?

At 15 years, state law gives you the right to hire an authorized inspector, at your own expense, before the insurer requires replacement. If that inspection shows 5 or more years of useful life left, age alone cannot be the reason for non-renewal. With a 1975 median build year in Golf, many homes may be near that age line. Talk to your insurer or agent about your own policy.

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

Related: Roof repair

Which parts of a roof leak first after a hurricane?

Leaks usually start at flashing, vents and the ridge. FEMA found that lost ridge vents expose large openings in the roof deck to water. In Palm Beach County, Hurricane Matthew in 2016 brought tropical-storm-force winds to coastal areas. Check wall joints, vent pipes and ridge caps from the ground after wind.

Source: NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), read Oct 5, 2026

Related: Roof repair

Nearby

Roof repair near Golf

Sources for this page(41)
  1. 1.Housing units (ACS 5-year): 189. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
  2. 2.Median year homes were built: 1975. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
  4. 4.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, B25034, B25024, via Census Reporter API. Read Oct 5, 2026.
  6. 6.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B01001, via Census Reporter API. Read Oct 5, 2026.
  7. 7.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
  8. 8.Hurricane Dorian (2019). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019). Read Oct 5, 2026.
  9. 9.Hurricane Isaias (2020). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020). Read Oct 5, 2026.
  10. 10.Hurricane Ian (2022). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian (AL092022). Read Oct 5, 2026.
  11. 11.Florida Building Commission, 'Setting New Standards for Safety: The Florida Building Code' (2004 publication; wind-speed figures in it are outdated and not used). Read Oct 5, 2026.
  12. 12.Permit office: Village of Golf - Building. Village of Golf - Building. Read Oct 10, 2026.
  13. 13.Mobile homes, share of housing units: 0%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
  14. 14.FEMA FL-RA2. Read Oct 5, 2026.
  15. 15.FBCR Ch. 9. Read Oct 4, 2026.
  16. 16.2023 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).
  17. 17.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  19. 19.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  20. 20.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  21. 21.NOAA NHC. Read Oct 5, 2026.
  22. 22.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  23. 23.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  24. 24.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  25. 25.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  26. 26.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
  27. 27.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
  28. 28.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Isaias (AL092020), NOAA National Hurricane Center. Read Oct 5, 2026.
  29. 29.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Ian (AL092022), NOAA National Hurricane Center. Read Oct 5, 2026.
  30. 30.Village of Golf - Building, Village of Golf. Read Oct 5, 2026.
  31. 31.Fla. Stat. 489.147-, Florida Legislature. Read Oct 4, 2026.
  32. 32.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  33. 33.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
  34. 34.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.NOAA NCEI U.S. Climate Normals 1991-2020 (access data service), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  37. 37.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Golf 2020 Census internal point (26.5029, -80.1058), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  38. 38.Wikipedia, 'Golf, Florida' (revision 1374049447), Wikipedia. Read Oct 5, 2026.
  39. 39.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
  40. 40.Miami-Dade County RER notice, Miami. Read Oct 5, 2026.
  41. 41.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Golf 2020 Census internal point (26.5029, -80.1058), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.

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Roof repair in Golf

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