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Bynum Roofing — Orlando, FL roofing contractor

What Is the 25% Roofing Rule in Florida?

If you're a homeowner in Orlando or Central Florida, chances are you've heard roofers or insurance adjusters mention the “25% rule.” But what exactly does it mean—and how does it affect your roofing decisions?


Florida’s 25% Roof Rule Explained

According to Florida Building Code, if more than 25% of your roof is damaged, the law requires that the entire roofing system be replaced—not just repaired. This applies to all buildings located in high-velocity hurricane zones (HVHZ), which includes much of Central Florida.

This rule was established to ensure structural integrity, minimize patchwork, and maintain compliance with updated building standards.



How Is the 25% Rule Calculated?

Licensed roofing inspectors assess your roof by sections or roofing squares. If the affected area exceeds 25% of the total roof, your insurance provider may require a full roof replacement. This is known as the 25% roofing rule Florida.

For example:

  • A 2,000 sq ft home with 600 sq ft of roof damage (30%) would qualify under the 25% roofing rule Florida.

  • Even if the damage is slightly under 25%, insurance adjusters may still recommend full replacement based on the roof’s age or condition.



Why Insurance Companies Enforce This Rule

  • Prevents future claims from recurring issues on the same roof.

  • Ensures material consistency and proper installation across the entire roof.

  • Complies with updated Florida codes for wind uplift and storm resilience.

  • Protects homeowners from long-term patchwork problems.


Does the Rule Guarantee Full Insurance Coverage?

Not necessarily. While the 25% roofing rule Florida mandates replacement in some cases, your coverage will depend on your policy, deductible, and type of damage (storm-related, aging, improper installation, etc.).


This is where Bynum Roofing’s Homeowner Assistance Program makes a huge difference—we handle the evaluation and documentation for you, ensuring you understand how the 25% roofing rule Florida applies to your situation.


What Happens During a Bynum Roofing Inspection?

Our free roof consultation includes:


  • Detailed evaluation of damage areas

  • Assessment of total percentage of impact, including the 25% roofing rule Florida

  • Drone footage or photos for your records

  • Guidance on filing a claim if you qualify, especially regarding the 25% roofing rule Florida

  • Steps to access our Homeowner Assistance Program


What If My Roof Doesn’t Reach 25% Damage?

You can still repair minor areas—but keep in mind the 25% roofing rule Florida:


  • Florida’s code discourages patchwork over time.

  • If your roof is older than 15–20 years, it may be worth replacing regardless.

  • Some insurers won’t insure homes with older roofs.


This is why it’s crucial to work with a local, licensed roofer who understands the 25% roofing rule Florida, insurance, and Florida law—like Bynum Roofing.


Roof Replacement Cost in Orlando, Florida (2025 Estimates)

If you do need a full replacement under the 25% rule:


  • Asphalt shingle roofs: $7,000–$12,000

  • Tile roofs: $15,000–$30,000

  • Metal roofs: $10,000–$20,000


With proper documentation, insurance may cover most or all of the cost, minus your deductible.


Why Bynum Roofing Is Your Best Local Option

  • Based in Orlando and focused exclusively on Central Florida

  • Experienced with the 25% rule and how to make it work in your favor

  • Free inspection to determine roof damage and next steps

  • Support from claim to completion through our Homeowner Assistance Program

  • Licensed, insured, and respected by insurers and inspectors


 Call: (407) 326‑9700

 Address: 5415 Lake Howell Rd Unit 302, Winter Park, FL 32792


Written by Wesley Bynum, Founder of Bynum Roofing, Orlando, FL.

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