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Repairs ยท The Villages

Roof repair in The Villages, FL

Near The Villages and its 57,822 homes, Hurricane Milton's 2024 rain gauges read 8.78 inches 2.8 miles east-southeast of the community and 11.71 inches south-southwest of Lady Lake. Roof repair in The Villages starts where water like that gets in: ridges, hips, flashing and shingle edges that have come unsealed.

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Updated October 2026

Tan concrete arched golf cart bridge spans a multi-lane road under a clear blue sky with cars passing.
Close view across a gray shingle roof slope with a black pipe boot, a palm and a green lawn below.Our work
Photo: Villages FL golf arch02 by Ebyabe, CC BY-SA 3.0, cropped

The Villages figures this page uses

Housing units (ACS 5-year)
57,822
Share of homes built before 2000
15.9%
Median year homes were built
2007
Median age
74.1yrs

Local know-how

Where Villages roofs let water in after a storm

Only 15.9% of homes here were built before 2000, but age still shows at the edges. Shingles tend to lose their sealant bond after about four years, especially at the corners, and a first-generation Villages roof from the median year, 2007, has been through many summers since.

After Hurricane Ian, FEMA's assessment team, as summarized by the International Code Council, found damage to hips and ridges was the most common kind, on newer and older roofs alike. FEMA has also documented a house whose ceilings fell when the only roof damage was lost ridge shingles and a ridge vent. That is why a storm check starts at the top.

Between storms, leaks follow the places the code requires flashing: where a roof meets a wall, where slope or direction changes, and around vents, pipes and skylights. After a heavy rain, those are the spots to check from the attic with a flashlight.

The 25% limit

When a Villages repair has to become a new section

Florida caps repairs at 25% of a roof or roof section in any 12 months. Past that, the whole section must be replaced to current code unless the roof was built to the 2007 code or later (Fla. Stat. 553.844(5)). For an original Villages roof put on before March 1, 2009, a large storm repair can turn into a section replacement.

Small repairs are different. Whether one needs a permit is the building official's call under FBC-B 105.2.2, so ask Sumter County Building Services before assuming it does not. If a repair changes how the roof looks, the districts' Architectural Review Application rule can apply too.

If you plan to file a claim, Florida law sets the clock: notice of a new or reopened property claim must reach the insurer within 1 year of the date of loss, and a supplemental claim within 18 months. Your insurer or agent can tell you what your policy covers. Milton's FEMA declaration, DR-4834, opened Individual Assistance to Sumter County households.

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Questions

Roof repair in The Villages: questions

My Villages roof is leaking during a storm. What should I do first?

Stay off the roof and out of a hot, dark attic while the wind is up. Move belongings away from the drip, catch the water, and take dated photos of the ceiling and any debris in the yard. Once the storm passes, look for missing ridge shingles or a lost ridge vent, the damage FEMA found let water pour into one house it studied. In The Villages, a repair that changes the exterior may also need an Architectural Review Application.

Source: FEMA Recovery Advisory 2.

Related: Roof repair

How much rain did Hurricane Irma drop on The Villages?

About 9 inches. NOAA's report on Irma lists 9.18 inches at a gauge 2.7 miles north-northwest of The Villages and 8.57 inches at Wildwood in 2017. FEMA's Irma declaration, DR-4337, covered Sumter County households as well as public agencies. FEMA's assessment teams report that water getting past damaged coverings soaks insulation and walls, which then grow mold, so a slow attic leak after a storm like Irma deserves quick attention.

Source: NOAA Irma report.

Related: Roof repair

What storm damage should I look for on a Villages roof?

Look from the yard and from inside the attic, and leave the ladder in the garage. The damage list Florida's largest insurer has inspectors check includes cracked, cupped or curled shingles, heavy granule loss, exposed felt, missing or loose tabs, soft spots in the decking and leaks in the attic or on ceilings. Granules piling up in gutters are an aging sign too. With a median age of 74.1 in The Villages, ask whoever inspects to send photos of each slope instead of asking you to look.

Source: Citizens 4-point form.

Related: Roof inspections

Nearby

Roof repair near The Villages

Sources for this page(46)
  1. 1.Hurricane Milton (2024). NOAA National Hurricane Center, Tropical Cyclone Report: Hurricane Milton (AL142024). Read Oct 5, 2026.
  2. 2.Hurricane Milton (2024). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4834. Read Oct 5, 2026.
  3. 3.The Villages Community Development Districts, Community Standards. Read Oct 5, 2026.
  4. 4.Housing units (ACS 5-year): 57,822. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25001 (Housing Units), via Census Reporter API. Read Oct 5, 2026.
  5. 5.Share of homes built before 2000: 15.9%. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25034 (Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  6. 6.Median year homes were built: 2007. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B25035 (Median Year Structure Built), via Census Reporter API. Read Oct 5, 2026.
  7. 7.Median age: 74.1. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates (acs2024_5yr), table B01002 (Median Age by Sex), via Census Reporter API. Read Oct 5, 2026.
  8. 8.Permit office: Sumter County Building Services. Sumter County Building Services. Read Oct 5, 2026.
  9. 9.Hurricane Irma (2017). FEMA OpenFEMA Disaster Declarations Summaries v2, DR-4337. Read Oct 5, 2026.
  10. 10.eng.ufl.edu. Read Oct 5, 2026.
  11. 11.ICC Building Safety Journal, Karl Fippinger, 2024-02-07. Read Oct 5, 2026.
  12. 12.FEMA FL-RA2. Read Oct 5, 2026.
  13. 13.FBCR Ch. 9. Read Oct 4, 2026.
  14. 14.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer). Read Oct 4, 2026.
  15. 15.Florida Statutes, section 553.844 (2026). Read Oct 5, 2026.
  16. 16.Florida Building Commission, "Florida Building Code Effective Dates". Read Oct 5, 2026.
  17. 17.FBC-B 2023 Ch. 1. Read Oct 5, 2026.
  18. 18.Florida Statutes, section 627.70132 (2026). Read Oct 4, 2026.
  19. 19.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25. Read Oct 4, 2026.
  20. 20.Owens Corning, "3 Signs That It's Time to Replace Your Roof". Read Oct 5, 2026.
  21. 21.eng.ufl.edu (CL-09). Read Oct 5, 2026.
  22. 22.ICC Building Safety Journal, Karl Fippinger, 2024-02-07 (RM-04). Read Oct 5, 2026.
  23. 23.FEMA FL-RA2 (RM-02). Read Oct 5, 2026.
  24. 24.FBCR Ch. 9 (RM-07). Read Oct 4, 2026.
  25. 25.2023 Florida Building Code, Residential, 8th ed., chapter 9 roof assemblies (ICC viewer) (RM-14). Read Oct 4, 2026.
  26. 26.Florida Statutes, section 553.844 (2026) (FS-553.844(5)). Read Oct 5, 2026.
  27. 27.Florida Building Commission, "Florida Building Code Effective Dates" (RR-04). Read Oct 5, 2026.
  28. 28.FBC-B 2023 Ch. 1 (RR-08). Read Oct 5, 2026.
  29. 29.Florida Statutes, section 627.70132 (2026) (RM-18). Read Oct 4, 2026.
  30. 30.FEMA FL-RA2 (RM-01). Read Oct 5, 2026.
  31. 31.Citizens 4-Point Inspection Form, Sample Form Insp4pt 03 25 (RM-08). Read Oct 4, 2026.
  32. 32.Owens Corning, "3 Signs That It's Time to Replace Your Roof" (RM-09). Read Oct 5, 2026.
  33. 33.Census Reporter, The Villages CDP parent geographies (TIGER 2023): 88.3% of the CDP's area in Sumter County, 11.7% in Marion County, Census Reporter (U.S. Census Bureau TIGER/Line 2023). Read Oct 5, 2026.
  34. 34.NOAA Atlas 14 Volume 9 version 2, partial-duration point estimates at The Villages 2020 Census internal point, NOAA Hydrometeorological Design Studies Center. Read Oct 5, 2026. 5-minute 10-year 9.52 in/hr; 60-minute 10-year 2.83 in/hr; 60-minute 100-year 3.96 in/hr
  35. 35.National Roofing Contractors Association (C-16). Read Oct 5, 2026.
  36. 36.Florida Statutes, section 627.7011 (2026) (FS-627.7011(5)). Read Oct 4, 2026.
  37. 37.FBC-B 2023 Ch. 1 (RR-09). Read Oct 5, 2026.
  38. 38.FBC-B 2023 Ch. 1 (RR-10). Read Oct 5, 2026.
  39. 39.Miami-Dade County RER notice (C-2). Read Oct 5, 2026.
  40. 40.eng.ufl.edu (RR-41). Read Oct 5, 2026.
  41. 41.Florida Solar Energy Center (CL-06). Read Oct 5, 2026.
  42. 42.Florida Statutes, section 489.147 (2026) (RR-44). Read Oct 4, 2026.
  43. 43.Florida Statutes, section 489.147 (2026) (RR-45). Read Oct 5, 2026.
  44. 44.Florida Statutes, section 489.147 (2026) (RR-46). Read Oct 5, 2026.
  45. 45.Florida Statutes, section 713.135 (2026) (C-12). Read Oct 5, 2026.
  46. 46.OIR form (CL-05). Read Oct 4, 2026.

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Roof repair in The Villages

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