What Is Florida's 25% Roof Rule?

In simple terms, Florida's "25% rule" refers to how much of a roof area or roof section is damaged or being repaired within a 12-month period. When that amount exceeds a certain threshold, Florida building codes can require that the solution go beyond a small patch — and in some cases, that means a full replacement.

Where Does the 25% Come From?

Florida's Building Code has specific provisions that govern when roofing work triggers the need to bring an entire roof — or a larger section of it — into compliance with current code standards. The threshold is not always a simple 25% of the total roof surface. It can vary based on roof type, local jurisdiction, and the specific section of code being applied.

What it means practically is this: if enough of your roof has been damaged or repaired within a 12-month window, the code may require that the repair scope expand beyond what the damage alone would suggest.

Why Does This Matter for Insurance?

When a code-compliant repair or replacement is required, the cost can be higher than a standard repair. Some insurance policies include coverage for code upgrade costs — often referred to as "ordinance or law" coverage. If your policy includes this, it may help offset the additional expense required to meet code.

What We Do

We assess the extent of your roof damage and give you an honest picture of what we find. If the scope of damage appears to approach or exceed code-triggering thresholds, we'll walk you through what that could mean for your situation — and what questions to bring to your insurance carrier and local building department.

We don't make decisions for you. We give you the clearest possible picture so you can make the right call for your home.