Florida 25 Roof Damage Law

Only the damaged shingles apply to the 25 rule and not the other related work as they are deemed to be nondamaged components.

Florida 25 roof damage law. Most shingle roofs in florida should last at least 20 years. Wind from hurricanes and tropical storms can cause substantial roof damage whether just a few loose shingles or the total destruction of the entire roof structure. The rule applies to roof repair of any commercial or residential building. 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.

Under florida s 25 percent rule homeowner s insurance companies are incentivized to minimize policyholders roof damage claims as much as possible. Saying that the roof has deteriorated because of age when in fact the roof never leaked until a severe wind or hail storm. Florida building code 25 reroofing rule this means that if more than 25 of the roofing is damaged and the roof was not properly permitted subsequent to october 1 2005 installed inspected or the permit was not closed out then the entire roofing section must be reroofed. Since the 25 roofing rule is in chapter 7 of the 2017 florida building code existing building 6th edition this means if a roof has 20 actual damage from wind or hail or another peril it would not matter if the roofer had to remove an additional 20 to replace the damaged shingles.

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. The 25 percent rule in the florida building code appears in section 611 1 1 and states. This means that if your roof is damaged more than 25 of the total roof section due to winds or a fallen tree from hurricane matthew then the policyholder is entitled to replacement of the entire roof section. 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 roofing system or roof section conforms to requirements of this code.

Roof damage is the most common type of hurricane insurance claim we see after a hurricane wind storm or hail event. Roof damages greater than 25 if more than 25 of the roof is damaged by covered events then the rule entitles you to a complete replacement of the roofing system with a few exceptions. If an insurer can claim that less than 25 percent of a roof was damaged or claim that only one roof section suffered damage then it will not have to pay out as much as if a full roof replacement were required under building code section 611 1 1. To help better explain how the florida 25 rule can affect roof damage claims let s review some different cases and how the rule would be applied.

Florida law requires that if 25 or more of the roof is damaged then the insurance company must pay to replace the entire roof. Obviously the rule is of extreme importance for florida irma property claims.