Roof Replacement 25 Rule

If your roof is damaged less than 25 then a patch is acceptable.

Roof replacement 25 rule.

Then again a complete roof replacement is required. In other words the replacement of a nondamaged roof area as part of a necessary repair of a damaged 20 percent likely is rendered irrelevant by 502 3 with no resulting trigger of the rule. Hurricanes michael matthew and hermine also. The rule applies to roof repair of any commercial or residential building.

Under florida s 25 percent rule homeowner s insurance companies are incentivized to minimize policyholders roof damage claims as much as possible. The florida building code and its 25 replacement rule hurricane irma caused an estimated 50 billion in damage according to the national oceanic and atmospheric administration. Roof damages greater than 25. This rule applies to both homeowner and commercial buildings.

If more than 25 of the roof is damaged by covered events then the rule entitles you to a complete replacement of the roofing system with a few exceptions. However if the damage persists after the patch and you are required to repair more than 25 over the next year. Hurricane on record and a sizable chunk of that estimate is attributed to roof damage. If an insurer can claim that less than 25 percent of a roof was damaged or claim that only one roof section suffered damage then it will not have to pay out as much as if a full roof replacement were required under building code.

So basically the rule means that if your roof coverings whether it is tile ceramic clay etc asphalt shingles organic or fiberglass metallic or any other coverings and their associated underlayment felt synthetic or any other waterproofing material is damaged more than 25 of the total roof section due to any environmental conditions or any other reason then as per the code the. The rule refers to a roofing system as the two slanted sections covering the home. You might ask what is a roof section. The 25 rule is found in the 2017 florida building code existing building 6th edition within chapter 5 section 502 3 repairs.

Since the 25 roofing rule is in chapter 7 of the 2017 florida building code existing building 6th edition this means if a roof has 20 actual damage from wind or hail or another peril it would not matter if the roofer had to remove an additional 20 to replace the damaged shingles. Florida s 25 percent replacement rule and how it impacts roof repairs by casey crowther published december 2019 photos courtesy of target roofing hurricane irma caused an estimated 50 billion in damage according to the national oceanic and atmospheric administration making it the fifth costliest u s. Since the 25 roofing rule is in chapter 7 of the 2017 florida building code existing building 6th edition this means if a roof has 20 actual damage from wind or hail or another peril.