25 Percent Rule For Roof Replacement
Due to the fact that Florida is prone to having Hurricane’s, heavy winds storms, and hail storms roof damage is one of the most damage parts to a home or business. Insurance companies have many requirements, reasons to deny roof claims, and investigative processes that are not always completed correctly when it comes to roofing leak claims in Florida.
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 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.
The key is to find a experienced public insurance adjuster in Florida who can help with your claim. At Experienced Public Adjusters, we are your advocates and are here to fight for you, the policyholder. Our public adjusters offer expertise for residential and commercial roof leak claims in Florida. We will fight to help you maximize your settlement so that you can properly repair.