Roof Replacement 25 Rule

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 replacement 25 rule.

The 2014 florida existing building code the code contains what is conventionally called the 25 percent rule the rule. Hurricane on record and a sizable chunk of that estimate is attributed to roof damage. You might ask what is a roof section. 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.

If your roof is damaged less than 25 then a patch is acceptable. The rule applies to roof repair of any commercial or residential building. Hurricanes michael matthew and hermine also. 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.

In a nutshell the rule states that if more than 25 percent of a roof or section of a roof is repaired replaced or recovered then the entire roofing system or roof section must be. 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.

Roof damages greater than 25. 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. It was 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.

Then again a complete roof replacement is required. The 25 rule is found in the 2017 florida building code existing building 6th edition within chapter 5 section 502 3 repairs. Under florida s 25 percent rule homeowner s insurance companies are incentivized to minimize policyholders roof damage claims as much as possible.