How do I know if my roof is covered after a storm? Should I file an insurance claim?
Hurricanes and Tropical Storms are the most likely wind storms to damage your home. Before opening an insurance claim it is essential that you review your insurance policy to make sure you have coverage for this type of loss. We also recommend that you discuss the damages with a Public Adjuster before opening a new claim. Hiring a public adjuster allows most people to have a trusted advisor throughout the claims process. Experienced Public Adjusters offer a free onsite or phone evaluation of your insurance claim. Call us today before opening an insurance claim.
2007 Florida Building Code: Re-Roofing 25 Percent Rule
SECTION 611.1.1 of the 2007 Florida Building Code: Re-Roofing:
Section 611 of the current Florida Building Code outlines the situations under which roofs on existing
structures need to be made compliant with the current building code. This section requires that roof
repairs to existing roofs and roof coverings shall comply with the provisions of the Code. Specifically,
the Code requires:
611.1.1 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 roofing system or roof section conforms to the requirements of this code.
Under section 611.1.1, if more than 25% of the roof surface is to be repaired, then the entire roof needs
to be in compliance with the Code. In most cases, this means that when filing an insurance claim the entire roof needs to be replaced.
2017 Florida Building Code-Energy
C503.3.1 Roof Replacement.
Roof replacements shall comply with Table C402.1.3 or C402.1.4 where the existing roof assembly is part of the building thermal envelope and contains insulation entirely above the roof deck.
Call an Experienced Public Adjuster for a Free Roof Evaluation! Contact Us at (407) 212-8669