Roof repair in Mulberry, FL

Under the 25 percent rule, a roof or roof section may take no more than a quarter of its area in repairs, replacement or recovering within 12 months. A larger job means the whole roof or section gets a new covering. That is where Florida separates a repair from a replacement.

One exception matters. A roof that was itself built, repaired or replaced to the 2007 Florida Building Code or later only needs the new work to meet current code. Local governments cannot amend that exception.

Mulberry's median home was built in 1989, so the code edition on any given roof depends on when that roof was last redone. Mobile homes make up 42.2 percent of housing here and follow the HUD code, so confirm the rules for your roof with the building office.

Whether a minor patch needs a permit is the building official's call. Ask the Mulberry building office before work starts.

• Wait for dry shingles and calm wind before anyone goes up.
• From the yard, look for missing tabs, lost ridge caps and sagging soffit.
• In the attic, look for stains or drips on the underside of the deck.
• Take photos of each damaged spot before any temporary cover goes over it.

About 36 percent of Mulberry residents are 65 or older, so have someone younger do any climbing, or hire it out. A tarp over the damaged area limits further water damage.

Your insurer or agent is the right contact for questions about what your policy covers. Florida law bars roofing contractors from advising on coverage or offering anything of value for an inspection.