Florida’s “25% rule”: if more than 25% of a roof section is repaired or replaced within 12 months, that work generally must bring the section up to current Florida Building Code. Since the 2022 reforms (SB 4-D), there’s a big exception — roofs originally built or replaced under the 2007 code or later may be repaired to match, rather than fully replaced. Which side of the line you’re on can be a five-figure difference after a storm. Leeward Roofing (CCC1337211) makes that call with you, documented.
How the Rule Plays Out After a Storm
- Damage under 25% of a roof section: repair and match — no code-triggered full replacement.
- Damage over 25%, roof built to 2007+ code: the 2022 exception usually lets you repair rather than replace the whole section.
- Damage over 25%, older pre-2007 roof: current code likely requires bringing the entire section up to today’s standard — often effectively a replacement.
Why This Matters for Your Insurance Claim
The repair-vs-replace decision drives claim value, and adjusters know this rule well. What matters is documentation: measured damage area, roof section boundaries, permit history and the code edition your roof was built under. We assemble exactly that package as part of our storm damage and insurance claim service.
25% Rule FAQs
Who decides if my damage crosses 25%?
Ultimately the local building official interprets the code, but the measurement and documentation your contractor submits carries the day. Get it measured properly before anyone puts a number in your claim file.
Does the rule apply per-roof or per-section?
Per roof section. A hip section over the garage can be evaluated separately from the main house — which is why precise measurement matters so much.
How do I know what code my roof was built under?
Permit records show when the roof was installed; 2007-or-later permits generally mean the repair exception applies. We pull permit history as part of every inspection.
Storm damage questions? Start at the Hurricane Command Center or call 772-589-2400.