There are slight differences to the rule for buildings in or out of an hvhz so it is important to know where your building lies.
Florida statute regarding roof replacement.
Florida s building code states that if more than 25 percent of a roof is damaged then the entire roof must be brought up to code.
1609 2 of the international building.
E roofing contractor means a contractor whose services are unlimited in the roofing trade and who has the experience knowledge and skill to install maintain repair alter extend or design if not prohibited by law and use materials and items used in the installation maintenance extension and alteration of all kinds of roofing waterproofing and coating except when coating.
2 when a loss requires replacement of items and the replaced items do not match in quality color or size the insurer shall make reasonable repairs or replacement of items in adjoining areas.
Furthermore regarding roofing specifically if 25 or more of the roof needs repair in a 12 month period the entire roof must be replaced.
Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired replaced or recovered in any 12 month period unless the entire existing roofing system or roof section is replaced to conform to requirements of this code.
This bill which was signed into law on may 23 2019 and took effect july 1 2019 makes drastic changes to the way the residential roofing industry used to operate and sets out a number of new requirements and conditions that every roofer must consider before performing work under the new aob statute.
Roofing standards change regularly.
The following are basic ground rules for obtaining the benefit.
In a nutshell the rule states that if more than 25 percent of a roof or section of a roof is repaired replaced or recovered then the entire roofing system or roof section must be brought up to code.
The insured may not be required to pay for betterment required by ordinance or code except for the applicable deductible unless specifically excluded or limited by the policy.
The rule applies to roof repair of any commercial or residential building.
This law states that if more than 25 percent of a building s roof must be replaced within a 12 month period then the entire roof may need to be replaced.
A a policy or endorsement providing that any loss that is repaired or replaced will be adjusted on the basis of replacement costs to the dwelling not exceeding policy limits rather than actual cash value but not including costs necessary to meet applicable laws and ordinances regulating the construction use or repair of any property or requiring the tearing down of any property including the costs of removing debris.
C any activity requiring a building permit not including roof covering replacement or repair work associated with the prevention of degradation of the residence that is applied for on or after july 1 2008 and for which the estimated cost is 50 000 or more must include provision of opening protections as required within the florida building code for new construction for a building that is located in the wind borne debris region as defined in s.
Florida building code existing building 706 1 1.
So for homeowners with older roofs this often means a full roof replacement.
