Re-roofs ยท Haverhill
Roof replacement in Haverhill, FL
Half of Haverhill's homes went up before the mid-1980s, with a median build year of 1984. That suggests many roofs here have already served a long time. A roof replacement in Haverhill starts with a permit from the Town of Haverhill Building Department, not the county.
Updated October 2026
Haverhill figures this page uses
- Housing units (ACS 5-year)
- 888
- Share of homes built before 1980
- 43.4%
- Share of homes built 2010 or later
- 14.3%
- Median year homes were built
- 1984
Housing age
How the age of a Haverhill home bears on the roof above it
Of the 888 housing units counted here, 43.4 percent were built before 1980. Only 14.3 percent were built in 2010 or later. Many of these roofs are likely on their second or third covering.
For shingle roofs more than 25 years old, Citizens Property Insurance wants to see at least five years of useful life left. Expect an inspection request if your roof is that old.
Permits and code
Haverhill's permit rules and the 25 percent rule
Apply for a roof permit through the Town of Haverhill Building Department in West Palm Beach's county seat area, using the town's own forms. Ask the counter staff which edition of the code your application falls under.
Unless the entire roof system is replaced, the 25 percent rule caps repairs or replacement at a quarter of the roof within any 12-month span. Roofs built to the 2007 Florida Building Code or later get a narrower exception, but a local government cannot change that exception by ordinance.
Storms and rain
Storm and rain exposure for Haverhill roofs
Palm Beach County falls outside the High Velocity Hurricane Zone, a designation that applies to Miami-Dade and Broward instead. Hurricane Matthew brought tropical-storm-force winds to coastal parts of the county in 2016.
Atlantic hurricane activity is counted from June 1 through November 30, and it usually reaches its height around September 10. Rainy season here runs from about May 25 to October 10, so plan roof work for the dry months when you can.
Questions
Roof replacement in Haverhill: questions
How old are most homes in Haverhill?
The median year homes were built here is 1984, with a margin of error of plus or minus 4 years. Of 888 housing units, 43.4 percent were built before 1980. Many roofs in town are likely older than 25 years and may need an inspection before an insurer renews the 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
Who issues the roof permit in Haverhill?
Roof permits for Haverhill are handled by the Town of Haverhill Building Department. Stop by or call the department for current forms before you file, since a new Florida Building Code edition takes effect December 31, 2026, and applications filed on or after that date must follow it.
Source: Town of Haverhill - Building Department, read Oct 5, 2026
Do I have to replace my whole roof in Haverhill?
Not always. Under the 25 percent rule, you can repair or replace up to 25 percent of the roof in a 12-month period. If more than that is redone, the whole roof system must be replaced. Roofs built to the 2007 Florida Building Code or later have a narrower exception.
Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026
Will my insurer require an inspection of my roof?
For roofs older than 25 years, Citizens Property Insurance requires at least five years of remaining useful life. A roof 15 years or older may be inspected at the homeowner's expense. Check the requirements with your insurer or agent, since they decide what your policy needs.
Source: Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), read Oct 4, 2026
Sources for this page(27)
- 1.Housing units (ACS 5-year): 888. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25001, via Census Reporter API. Read Oct 5, 2026.
- 2.Share of homes built before 1980: 43.4%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 3.Share of homes built 2010 or later: 14.3%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API. Read Oct 5, 2026.
- 4.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.
- 5.Permit office: Town of Haverhill - Building Department. Town of Haverhill - Building Department. Read Oct 10, 2026.
- 6.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.
- 7.Hurricane Matthew (2016). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016). Read Oct 5, 2026.
- 8.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 9.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API. Read Oct 5, 2026.
- 10.Median year homes were built: 1984. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API. Read Oct 5, 2026.
- 11.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17). Read Oct 4, 2026.
- 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.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
- 14.2023 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").
- 15.NOAA NHC. Read Oct 5, 2026.
- 16.National Weather Service. Read Oct 5, 2026.
- 17.Miami-Dade County RER notice. Read Oct 5, 2026.
- 18.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
- 19.Town of Haverhill - Building Department, Town of Haverhill. Read Oct 5, 2026.
- 20.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Matthew (AL142016), NOAA National Hurricane Center. Read Oct 5, 2026.
- 21.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Dorian (AL052019), NOAA National Hurricane Center. Read Oct 5, 2026.
- 22.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Haverhill 2020 Census internal point (26.6910, -80.1217), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 23.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Haverhill 2020 Census internal point (26.6910, -80.1217), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
- 24.NOAA National Hurricane Center, Tropical Cyclone Climatology, NOAA National Hurricane Center. Read Oct 5, 2026.
- 25.NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Irma (AL112017), NOAA National Hurricane Center. Read Oct 5, 2026.
- 26.Wikipedia, 'Haverhill, Florida' (revision 1377377577), Wikipedia. Read Oct 5, 2026.
- 27.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13, floridaroof.com. Read Oct 5, 2026.
South Fork Roofing
Roof replacement in Haverhill
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