Florida’s 25% Roofing Rule: What Homeowners Need to Know

What is florida's 25% roofing rule

Florida’s 25% Roof Replacement Rule, outlined in Florida Building Code §706.1.1, was designed to protect property owners from structural vulnerabilities after storm damage. If more than 25% of a roof section is repaired, replaced, or recovered within a 12-month period, the entire roof section must be brought up to current building code — unless the structure qualifies for an exemption.

How Senate Bill 4-D Changes the Rule (Effective March 1, 2009)

Thanks to Senate Bill 4-D, if your roof was last replaced or permitted on or after March 1, 2009, the 25% rule no longer triggers a full roof replacement. Instead, only the damaged area must meet current code, saving property owners thousands in unnecessary repairs.

Key Date:
➡️ March 1, 2009 – The effective date of the 2007 Florida Building Code

Does the 25% rule apply to your roof?

Number Work Scope Whats Required
Post-2009 (Exempt) <25% Repair only damaged portion (to current code)
Post-2009 (Exempt) ≥25% Repair only damaged portion (to current code)
Pre-2009 (Non-Exempt) <25% Repair damaged area (to current code)
Pre-2009 (Non-Exempt) ≥25% Full roof section replacement + code upgrades

Why It Matters: Insurance & Financial Risk

If your home has a pre-2009 roof, exceeding the 25% threshold means expensive upgrades such as:

  • Roof deck re-nailing
  • Secondary Water Barrier (SWB) installation
  • Roof-to-wall hurricane straps (if valued >$300K)

➡️ Law and Ordinance Coverage is critical. Without it, you could be liable for thousands in compliance costs.

how long does a metal roof last?

✅ Identify your roof’s permit and compliance status
✅ Help you avoid triggering unnecessary replacements
✅ Assist with insurance claim documentation
✅ Ensure code-compliant repairs and replacements
✅ Work with forensic experts and inspectors as needed

Protect Your Property. Know the Rule. Work with Experts.

Don’t let confusion around Florida’s roofing laws lead to costly mistakes. Our team is trained in Florida Building Code compliance and up-to-date on the latest legislative changes — including SB 4-D.



📞 Call Logams Roofing today at 352-386-1794
 📍 Proudly serving Central Florida