Re-roofs · Palm Beach Gardens

Roof replacement in Palm Beach Gardens, FL

The median home in Palm Beach Gardens was built in 1995, so many roofs here are approaching the age where replacement comes into view. That age matters less than the rules that apply once you tear one off. A Florida re-roof triggers a city permit, two inspections, and specific nailing and water-barrier requirements, and the 25% rule can decide how much of the roof must be brought up to current code.

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Updated October 2026

White statue of a robed figure on a beige wall framed by palm trees under a blue sky. — Photo: Cathedral of Saint Ignatius Loyola - Palm Beach Gardens 06 by Farragutful, CC BY-SA 4.0, cropped

Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond. — Photo: Cathedral of Saint Ignatius Loyola - Palm Beach Gardens 06 by Farragutful, CC BY-SA 4.0, cropped

Palm Beach Gardens figures this page uses

Housing units (ACS 5-year): 31,400
Median year homes were built: 1995
Share of homes built 2010 or later: 15.1%
Owner-occupied share of occupied homes: 73%

Housing age

What the age of Palm Beach Gardens homes means for roofs

Most of the city's 31,400 housing units were built in the 1990s or earlier, and only 15.1 percent date to 2010 or later. Compared with Palm Beach County's median of 1986, the city's stock is newer. Still, a roof installed in the mid-1990s has now been in service for roughly thirty years. Many of these roofs are likely near the end of their service life.

Owners matter here more than renters. About 73 percent of occupied homes are owner-occupied, so most decisions about a replacement fall to the homeowner. Roughly one in four county residents is 65 or older, which means many of those owners are deciding on a roof for a home they have lived in for a long time.

Permits and code

Permits, inspections and the 25% rule before you start

Roof permits in Palm Beach Gardens are issued through the city's Building Division. Confirm the current application steps there before work begins. A permit becomes invalid if work does not start within six months of issuance, or if work stops for six months, so timing matters once the permit is pulled.

Florida's 25 percent rule caps how much of your roof can be fixed or swapped out within a single 12-month window, unless you replace the whole covering at once. If your existing roof was built or repaired to the 2007 Florida Building Code or later, only the replaced portion must meet current code, even when more than 25 percent is redone. Ask the building office which rule applies to your roof's history.

Confirm the permit with the City of Palm Beach Gardens Building Division before tear-off.
Ask whether the roof-deck nailing and secondary water barrier meet the code in force.
Check that the Notice of Commencement is recorded and posted before the first inspection.

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Questions

Roof replacement in Palm Beach Gardens: questions

Who are some reputable roofers in Palm Beach Gardens, Florida?

Start by checking the state license before you sign. Florida law requires roofing work to be done by a contractor holding a state roofing certificate or registration, and a general contractor cannot advertise as a roofer without one. In a city where the median home dates to 1995, a roof replacement is likely to involve a full tear-off, so confirm the permit will be pulled in the contractor's name. Ask for the license number, look it up with the state, and compare records.

Source: Florida Statutes, section 489.113 (2026), read Oct 5, 2026

Related: Roof replacement

What is the 25% roof rule in Florida?

The rule limits how much of a roof can be repaired or replaced in a 12-month period before the entire roof covering must be brought up to current code. Measured against the full roof surface, that limit works out to 25 percent. The exception applies when the existing roof was built or repaired to the 2007 Florida Building Code or later, in which case only the new portion must meet current code. The city's building office can confirm 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

Does my insurer need to inspect my roof in Palm Beach Gardens?

For a roof 15 years old or older, Florida law lets your insurer require an inspection by an authorized inspector, paid by the homeowner. An insurer cannot refuse to renew solely for roof age if the inspection shows at least five years of useful life remaining. With a 1995 median build year in the city, many roofs here fall in that range. Check with your insurer or agent about what your policy requires. We cannot advise you on coverage.

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

Related: Roof replacement

How long do I have to finish a roof permit once it is issued?

The permit becomes invalid unless work starts within six months of issuance. Work is treated as abandoned if it stops for six months. Inspections keep an active permit alive, with an approved inspection needed within 180 days. Confirm the exact dates with the Palm Beach Gardens Building Division when the permit is issued.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 1 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

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