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Re-roofs ยท Highland Park

Roof replacement in Highland Park, FL

Most homes in Highland Park were built in 1972, according to the median build year for the village. Roofs on homes this age are often original or close to it. A roof this old usually reaches the point where replacement, not repair, is the honest answer. Re-roofing in this village follows a set of Polk County permit and code rules.

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Updated October 2026

Drone view looking down on a gray-blend shingle roof with two front gables, a debris container and a pickup in the driveway beyond.

Highland Park figures this page uses

Housing units (ACS 5-year)
129
Share of homes built before 1980
62.8%
Share of homes built 2010 or later
6.2%
Median year homes were built
1972

Roof age

What an older Highland Park roof usually means

The village has 129 housing units, and about 63 percent were built before 1980. Roofs on that share of homes are likely past their expected service life.

Only about 6 percent of homes here were built in 2010 or later. Nearly all the roofs on this village's homes predate the newer wind and underlayment rules.

Florida's current Building Code, Eighth Edition, took effect December 31, 2023. The Ninth Edition takes effect December 31, 2026, so a permit filed in Highland Park after that date must follow it.

Permits

The permit and the 25 percent rule in Polk County

Re-roofing here runs through Polk County permitting. A roofing contractor must subcontract roofing unless it holds the right certificate, and it must file the permit before work begins.

Under the 25 percent rule, no more than a quarter of a roof can be redone in any 12-month period unless the whole covering is replaced. Where a roof was built or repaired to the 2007 Florida Building Code or later, only the repaired part must meet current code.

Insurance

Insurance and roof age in Polk County

An insurer may not refuse a policy solely because the roof is less than 15 years old. A roof 15 years or older may be inspected by an authorized inspector at the homeowner's cost.

Check your roof coverage with your insurer or agent before you sign a contract. Florida law requires roofing contracts to carry a notice telling you to do this.

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Questions

Roof replacement in Highland Park: questions

Does my Highland Park roof need a permit to replace?

Yes. Re-roofing in Polk County requires a permit, and the contractor must subcontract roofing work unless it holds the right certificate. Ask the building office which permit applies to your home before work starts.

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

Related: Roof replacement

What is the 25% rule for roofing?

No more than a quarter of a roof can be redone in any 12-month period unless the whole covering is replaced. Where a roof was built or repaired to the 2007 Florida Building Code or later, only the repaired part must meet current code.

Source: 2023 Florida Building Code, Building, 8th ed., Chapter 15 (UpCodes viewer, unofficial transcription), read Oct 5, 2026

Related: Roof replacement

Will my insurance cover a new roof on an older house?

A roof that is less than 15 years old cannot, by itself, serve as grounds for an insurer to decline coverage. For roofs 15 years or older, the insurer must let you have an authorized inspector check the roof at your expense, and it may not refuse or non-renew solely for age if the inspection shows 5 or more years of useful life left. Ask your insurer or agent to explain the terms of your coverage.

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

Related: Roof replacement

How long does a roof permit stay valid?

Work must begin within 6 months of the date a permit is issued, or the permit lapses; a pause of 6 months in work also voids it. Confirm the exact dates with the Polk County building office.

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

Related: Roof replacement

Nearby

Roof replacement near Highland Park

Sources for this page(37)
  1. 1.Housing units (ACS 5-year): 129. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25001, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  2. 2.Share of homes built before 1980: 62.8%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  3. 3.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  4. 4.Share of homes built 2010 or later: 6.2%. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  5. 5.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  6. 6.NOAA NCEI Storm Events Database, event 635104 (Tornado, 2016-06-01, zone/county POLK), bulk details file. Read Oct 5, 2026.
  7. 7.Hurricane Irma (2017). NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  8. 8.Hurricane Ian (2022). NOAA NCEI Storm Events Database, event 1058669 (Tropical Storm, 2022-09-28, zone/county POLK), bulk details file; NHC TCR AL092022; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county). Read Oct 5, 2026.
  9. 9.Median year homes were built: 1972. U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr). Read Oct 5, 2026.
  10. 10.FRSA, "New 2023 FBC Eighth Edition is Now in Effect", 2024-02-13. Read Oct 5, 2026.
  11. 11.Miami-Dade County RER notice. Read Oct 5, 2026.
  12. 12.Florida Statutes, section 489.113 (2026). Read Oct 5, 2026.
  13. 13.Florida Statutes, section 553.73 (2026). Read Oct 4, 2026.
  14. 14.2023 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).
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.2023 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").
  17. 17.Florida Statutes, section 627.7011 (2026). Read Oct 4, 2026.
  18. 18.Florida Statutes, section 489.147 (2026). Read Oct 4, 2026.
  19. 19.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25001, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  20. 20.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25034, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  21. 21.NOAA NCEI Storm Events Database, event 721819 (Hurricane (Typhoon), 2017-09-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  22. 22.NOAA NCEI Storm Events Database, event 1058669 (Tropical Storm, 2022-09-28, zone/county POLK), bulk details file; NHC TCR AL092022; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  23. 23.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25035, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  24. 24.Citizens Property Insurance Corporation, inspections FAQ (updated 2026-03-17), Citizens Property Insurance. Read Oct 4, 2026.
  25. 25.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25003, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  26. 26.U.S. Census Bureau, 2020 Census counts (POP100/HU100) and 2020 TIGER land/water area, via TIGERweb tigerWMS_Census2020 layer 26, U.S. Census Bureau. Read Oct 5, 2026.
  27. 27.NOAA NCEI Storm Events Database, event 1060337 (Tropical Storm, 2022-11-10, zone/county POLK), bulk details file; FEMA OpenFEMA DisasterDeclarationsSummaries v2 (designatedArea = county), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  28. 28.Fla. Stat. 489.105(3)(e), Florida Legislature. Read Oct 5, 2026.
  29. 29.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  30. 30.U.S. Census Bureau, American Community Survey 2024 5-year estimates (2020-2024), table B25024, via Census Reporter API (release acs2024_5yr), U.S. Census Bureau (via Census Reporter). Read Oct 5, 2026.
  31. 31.NOAA Atlas 14 Volume 9 version 2, partial-duration intensity estimates at the Highland Park 2020 Census internal point (27.8646, -81.5663), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  32. 32.NOAA Atlas 14 Volume 9 version 2, partial-duration 24-hour depth estimates at the Highland Park 2020 Census internal point (27.8646, -81.5663), NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026.
  33. 33.City of Winter Haven, Our Lakes; City of Lakeland, Lakes & Stormwater, mywinterhaven.com. Read Oct 5, 2026.
  34. 34.NOAA NCEI Storm Events bulk files 2016-2025 (operator count), NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  35. 35.NOAA NCEI U.S. Climate Normals 1991-2020, stations USC00084802 and USW00012876, NOAA National Centers for Environmental Information. Read Oct 5, 2026.
  36. 36.U.S. Census Bureau, Vintage 2025 county population estimates (co-est2025-alldata.csv: ESTIMATESBASE2020, POPESTIMATE2025), U.S. Census Bureau. Read Oct 5, 2026.
  37. 37.Florida Statutes, section 713.135 (2026), Florida Legislature. Read Oct 5, 2026.

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Roof replacement in Highland Park

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