New Roof Damage Laws in Florida

When it comes to states that are prone to natural disasters, you will find Florida among them in the top ten. Hurricanes are a regular and constant threat in the state of Florida, and they can cause death and destruction. As high as 40% of all hurricanes that have landed in the United States hit Florida. Floridians know all too well about the damage they can cause to their property. 

Figuring out what to do in the aftermath of a hurricane can be overwhelming, and the process of getting the assistance necessary to fix issues, like damage to one’s home roof, can feel daunting. Knowing Florida’s roof damage laws can help clarify what is covered and what help you are entitled to.

If you would like to discuss your property damage claim with an experienced Tampa property damage attorney, you are welcome to contact Fulgencio Law. The legal team at Fulgencio Law is resourceful and skilled at getting insurers to treat claimants fairly so that property damage repairs, like damaged roofing, can be fixed.

Understanding Florida’s Roof Damage Laws

The 25% rule once said a roof had to have more than 25% damage for insurers to pay for a full roof replacement. Recent changes have modified this rule, and now, if a roof is in compliance with the 2007 Florida Building Code and newer regulations, the insurance company has the discretion to repair it. In other words, they no longer have to replace an entire roof if more than 25% of it has been destroyed.  

Whether a repair will suffice or require a complete roof replacement depends on the extent of the damage. If the damage is only minor, a replacement could make a lot of sense and save both time and money. 

On the other hand, when a roof is due for replacement because it has come to the end of its lifespan or if there has been significant damage to its integrity, then a replacement is called for. In reality, in this type of scenario, doing a full roof replacement can also be considered cost-effective and more of a long-term solution to the destruction of one’s home. 

Ultimately, concerning repairing a roof or replacing one, the main question is what is best to protect your property and what will ensure it is sound for you and your family to live safely.

It is always important to understand your policy and what it covers. For example, if you have ordinance and law coverage and your roof is damaged, this coverage will help provide funds to have your property repaired to meet the current building codes. 

Call Fulgencio Law Today

It is critical that your home is strong and intact. Since hurricanes are a constant threat in Florida, it is essential to be familiar with the insurance laws, your rights, and your coverage. 

For help with a property damage insurance claim in Florida, you are welcome to reach out and call a Florida property insurance claim attorney at Fulgencio Law at (813) 463-0123 to schedule a free consultation.