Roof replacement in Shady Hills, FL

If more than 25 percent of your roof area is repaired, replaced or recovered in any 12-month period, the entire roof covering must be replaced. Many Shady Hills roofs built around 1990 will reach that threshold in a single job.

There is an exception for roofs that were built or repaired to the 2007 Florida Building Code or later. In that case, only the repaired portion must meet current code, and local governments cannot change that exception by ordinance.

• Roofs built before 2007 usually do not carry the exception, so check the permit history.
• Mechanical equipment on the roof only needs upgrading if it is being replaced or moved during reroofing.
• Ask the county whether your roof qualifies for the exception.

A policy cannot be turned down under Florida law merely because the roof is younger than 15 years. If a roof is 15 years old or more, the insurer must let you have an authorized inspector check it at your expense, and it may not refuse or non-renew the policy solely because of the roof's age if the inspection shows 5 years or more of useful life remaining.

Citizens Property Insurance requires documentation of at least five years of remaining life for roofs older than 25 years of shingle. Check with your insurer or agent for your own policy's requirements.