Florida Weather Repairs – Why Some Roofs Are Repaired While Others Sit Damaged

After hurricanes, severe thunderstorms and other natural disasters cause damage to homes and businesses in Florida, homeowners often wonder why some roofs are repaired or replaced while others sit damaged for months or even years. One main factor is regulation. In fact, Florida’s infamous 25% roof rule has become a key issue for both property insurance companies and their insured.

Roofing is among the most expensive parts of a home, and it’s not surprising that insurance companies are wary of covering the expense for the many homeowners that file claims after a storm.

Roofing in Florida weather

Florida’s weather is a big concern for homeowners, particularly in the case of roofing. From hurricanes to those summer thunderstorms that seem to roar through every afternoon, severe storms can cause major damage to roofs and their components.

Many homeowners choose to invest in metal roofing because it can withstand high winds and heavy rains. It also reflects sunlight and helps keep homes cool and comfortable in the Sunshine State’s warm climate. However, even this type of roofing requires regular maintenance, especially in the Sunshine State. The best way to protect your property’s roofing is by being proactive about its condition, scheduling regular inspections and repairs, and keeping up with homeowner insurance. This will reduce your risk of roof leaks and other damage caused by storms and other weather patterns even here in Florida!

Florida 25% rule

The 25 percent rule, which has been in place since 2007, requires most of the roofs on homes and other buildings to be replaced if more than 25% is damaged during a single storm. This requirement has resulted in a number of homeowners being dropped by their insurers, or having their policies canceled simply due to the age of their roof.

In 2022, after a growing number of homeowners had their policy canceled or refused to renew, state legislators implemented new rules for insurance coverage. One of those changes addressed the Florida insurance roof requirements, which were primarily based on the state’s building code. The new laws would allow for roofs to be repaired instead of having to be replaced when more than 25% is damaged.

Roofing Concerns in Tampa Bay, Florida

Tampa Bay in Florida is a beautiful area, but the weather wreaks havoc on homes and roofing systems. The warm, humid climate, frequent storms, lightning, and hurricanes test the durability of roofs to the max. These conditions cause a number of common home issues like broken or missing shingles, and major structural damage.

The weather in our Bay area also causes some other roofing problems such as water puddles on the roof, moss, and poor ventilation. When water is allowed to accumulate on a roof, it can leak into the home and cause costly repairs. If not fixed, moss and algae can also grow on the surface of a roof, which is not only unsightly but it holds moisture that can lead to more serious problems. The best way to prevent this from happening is by removing any moss or algae that you see on your roof and ensuring that there are no clogged gutters.

Another issue is a lack of proper ventilation which can occur when soffits or eaves aren’t properly installed, allowing hot air to get trapped in the attic and causing the wood in the attic to deteriorate over time. The best solution is to have a professional inspect and install the necessary soffit and eaves to ensure proper ventilation.

The final Florida roofing concern is that there are strict regulations in place regarding how a roof can be repaired or replaced. Those regulations are aimed at keeping homes and businesses up to code and withstand strong hurricanes and other severe weather. Unfortunately, some of these regulations are limiting homeowners’ ability to have their roofs repaired or replaced – and it could cost them a lot of money.

Make sure you are taking good care of the most important part of your home or business. Check here to confirm we are servicing your area in beautiful Tampa Bay, Florida.