Roof repair in Holiday, FL

The median Holiday home was built in 1977, and 64 percent of housing units predate 1980. Roofs on these homes have likely been replaced at least once, so ask what is on yours before you pay for patches.

In any 12-month period, Florida caps repairs at 25 percent of a roof or roof section. Once repairs go beyond that, you have to replace or recover the whole roof or the whole section. The exception covers a roof already built or repaired to the 2007 Florida Building Code or later, and then only the repaired part must meet current code.

Mobile homes make up 16.4 percent of Holiday housing units. They follow the HUD code, so confirm the rules for your roof with the building office.

Because Holiday is an unincorporated place, you get roof permits from Pasco County Building Construction Services. Under Florida rules, the building official may approve ordinary minor repairs with no permit required. Ask the county before you assume your repair qualifies.

• Stay off a wet or damaged roof and photograph the damage from the ground.
• Cover openings with a tarp from inside the attic if you can do so safely.
• Check the attic and ceilings for stains, soft spots and daylight.
• Keep receipts for temporary repairs.

For anything about your policy, call your insurer or agent. Florida law bars roofing contractors from soliciting claims or advising on coverage.