Roof Harm From Hurricane Ian? Perceive Florida’s New Roofing Regulation | Property Insurance coverage Protection Regulation Weblog

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Florida’s 25% roofing rule is gone. The insurance coverage foyer satisfied Florida legislators to cease following good roofing development practices this previous summer season. The newly handed laws in Florida’s particular session could permit insurance coverage corporations to patch quite than exchange vital parts of your hurricane-damaged roof. Beforehand, if a roof was broken greater than 25%, it had to get replaced.

Florida’s Constructing Fee had the next regulation in place:

706.1.1 : No more than 25 % of the full roof space or roof part of any current constructing or construction shall be repaired, changed or recovered in any 12-month interval except the complete current roofing system or roof part is changed to adapt to necessities of this code.

Right here is the brand new regulation [Florida Statutes 553.844(5)] which successfully overrides this longstanding constructing code:

However any provision within the Florida Constructing Code on the contrary, if an current roofing system or roof part was constructed, repaired, or changed in compliance with the necessities of the 2007 Florida Constructing Code, or any subsequent editions of the Florida Constructing Code, and 25 % or extra of such roofing system or roof part is being repaired, changed, or recovered, solely the repaired, changed, or recovered portion is required to be development in accordance with the Florida Constructing Code in impact, as relevant The Florida Constructing Fee shall undertake this exception by rule and incorporate it within the Florida Constructing Code….a neighborhood authorities could not undertake by ordinance an administrative or technical modification to this exception. …

Please notice that roofs constructed earlier than the efficient date of the 2007 Code are exempt.

What does this imply? Many insurance coverage corporations will take a really laborious line and solely permit piecemeal patching. If repaired on this method, many roofs won’t be repaired in line with producers’ specs, which is able to go away your roof susceptible to leaking and changing into worn out far earlier than its warranted life expectancy.

Please notice that the majority roofing materials producers have exclusions of their warranties for this piecemeal patching.

In case your roof suffered vital harm and the insurance coverage firm is barely paying for patching, relying upon the brand new regulation, it’s best to search skilled assist.

Thought For The Day

Very often, whereas I’m getting up within the morning, I feel my guarantee is operating out on these physique elements as a result of it’s not working fairly the way in which it used to.
—John Glenn

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