Florida 25 Roof Damage Law

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.

Florida 25 roof damage law. 708 1 1 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. Under florida s 25 percent rule homeowner s insurance companies are incentivized to minimize policyholders roof damage claims as much as possible. The section states 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. 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.

Another important florida roofing rule is the 25 percent rule. 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. Only the damaged shingles apply to the 25 rule and not the other related work as they are deemed to be nondamaged components. 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.

Obviously the rule is of extreme importance for florida irma property claims. The 25 percent rule in the florida building code appears in section 611 1 1 and states. 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. 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.

Section 708 1 1 of the florida building code often referred to as the 25 rule implements guidelines for roof replacement requirements. The rule applies to roof repair of any commercial or residential building. The florida building code section 708 1 1 provides. 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.