Florida Statute Regarding Roof Replacement

An insurer is not required to make the offers required by this subsection with respect to the issuance or renewal of a homeowner s policy that contains the provisions specified in paragraph b for law and ordinance coverage limited to 25 percent of the dwelling limit except that the insurer must offer the law and ordinance coverage limited to 50 percent of the dwelling limit.

Florida statute regarding roof replacement. Deciphering florida law on this issue can be a confusing task as the answer often depends on a multitude of variables. 627 7011 prevents an insurer from attempting to depreciate the undamaged portion of the structure that needs to be replaced due to matching. 1 when a loss requires repair or replacement of an item or part any physical damage incurred in making such repair or replacement which is covered and not otherwise excluded by the policy shall be included in the loss to the extent of any applicable limits. The installation replacement operation repair and maintenance of such shutters impact glass code compliant windows or doors or other types of code compliant hurricane protection in accordance with the procedures set forth in this paragraph are not a material alteration to the common elements or association property within the meaning of.

The answer depends on what the association membership authorized the board to do regarding roof reserves. Instead when it comes to dealing with your roof it is best to find a licensed and experienced roofing contractor who knows the florida roofing rules for roof replacement and repairs. Florida building code existing building 706 1 1. Florida building code 25 reroofing rule.

Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired. For florida policyholders if the policy calls for replacement cost and the loss occurred after october 1 2005 it is important to know that fla. The 2014 florida existing building code the code contains what is conventionally called the 25 percent rule the rule. Florida community association law.

The rule applies to roof repair of any commercial or residential building. It is not essential for you to know all of these laws. An insurer is not required to make the offers required by this subsection with respect to the issuance or renewal of a homeowner s policy that contains the provisions specified in paragraph b for law and ordinance coverage limited to 25 percent of the dwelling limit except that the insurer must offer the law and ordinance coverage limited to 50 percent of the dwelling limit. This blog post provides an overview and summary of florida law on the maintenance repair and replacement responsibility within your condominium association when damage occurs.

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. Florida s 25 reroofing rule is found in the 2017 florida building code existing building 6th edition within chapter 7 section 706 1 1 existing roofing.