What Florida’s New Roof Laws Mean for Homeowners in 2024
Florida’s roofing laws have undergone significant changes in recent years to address the unique challenges posed by its climate. These updates impact homeowners, contractors, and insurers, creating a new framework for roof repairs, replacements, and insurance coverage. Understanding these laws is essential for anyone planning a roofing project or dealing with insurance claims. This guide covers everything you need to know about Florida’s roofing laws, step by step. Step 1: Understanding the 25% Roof Replacement Rule What Is the 25% Rule? The 25% rule was a long-standing requirement in Florida roofing law. It stated that if more than 25% of a roof was damaged, the entire roof had to be replaced to comply with current building codes. This rule ensured that roofs were safe and up to modern standards. What Changed? In 2022, Senate Bill 4D modified the 25% rule: For homes built or repaired in compliance with the 2007 Florida Building Code or later, only the damaged portion of the ro...