The rule in one sentence
Under the Florida Building Code, if more than 25% of a roof section is repaired, replaced or recovered within a 12-month period, that entire roof section generally has to be brought up to the current code.
A "roof section" isn't necessarily the whole roof. It's a portion of the roof separated from other portions by things like ridges, valleys, walls or changes in material. A single-family home can have several roof sections.
Why the rule exists
Patching large parts of an old roof with new materials can leave you with a roof that is part old code, part new code, and weak where the two meet. The rule pushes large repairs toward a consistent, code-compliant roof.
The 2022 change for newer roofs
In 2022, Florida lawmakers added an important exception. If your existing roof was built, replaced or recovered under the 2007 Florida Building Code or later, and it meets that code, then only the damaged portion has to be repaired or replaced to current code, even if the damage is more than 25%.
In practice this means:
- Roofs installed under the 2007 code or later: repair only what's damaged, to current code.
- Roofs installed before the 2007 code: the 25% rule still applies, and a large repair can require replacing the whole section.
How do I know when my roof was installed?
The re-roof permit is the best record. Your city or county permit search, or your home inspection report, will usually show it. If you can't find it, we can help you look it up during your estimate.
What it means for insurance claims
Many homeowners first hear about the 25% rule from an adjuster. How your policy handles code-upgrade costs depends on your coverage, often called "ordinance or law" coverage. Ask your insurance agent what your policy includes. We're roofers, not insurance advisors or lawyers, so for coverage questions, your agent or a qualified professional is the right call.
The bottom line
- Big repairs on older roofs can turn into section replacements.
- Newer roofs (2007 code or later) get more flexibility.
- Know your roof's install date before you start a large repair.
Not sure where your roof stands? Request a free estimate and we'll look at the roof and the permit history with you.
This article is general information, not legal or insurance advice. Codes and laws change, so confirm details with your local building department, insurance agent or attorney.