Roof Replacement 25 Rule

Hurricanes michael matthew and hermine also.

Roof replacement 25 rule.

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. Then again a complete roof replacement is required. Florida s 25 percent replacement rule and how it impacts roof repairs by casey crowther published december 2019 photos courtesy of target roofing hurricane irma caused an estimated 50 billion in damage according to the national oceanic and atmospheric administration making it the fifth costliest u s. You might ask what is a roof section.

This rule applies to both homeowner and commercial buildings. It was the fifth costliest u s. So basically the rule means that if your roof coverings whether it is tile ceramic clay etc asphalt shingles organic or fiberglass metallic or any other coverings and their associated underlayment felt synthetic or any other waterproofing material is damaged more than 25 of the total roof section due to any environmental conditions or any other reason then as per the code the. Under florida s 25 percent rule homeowner s insurance companies are incentivized to minimize policyholders roof damage claims as much as possible.

The rule refers to a roofing system as the two slanted sections covering the home. The 25 rule is found in the 2017 florida building code existing building 6th edition within chapter 5 section 502 3 repairs. If your roof is damaged less than 25 then a patch is acceptable. Roof damages greater than 25.

The rule applies to roof repair of any commercial or residential building. In other words the replacement of a nondamaged roof area as part of a necessary repair of a damaged 20 percent likely is rendered irrelevant by 502 3 with no resulting trigger of the rule. 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. 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.

The 2014 florida existing building code the code contains what is conventionally called the 25 percent rule the rule. However if the damage persists after the patch and you are required to repair more than 25 over the next year. Hurricane on record and a sizable chunk of that estimate is attributed to roof damage.