Roof replacement rules, insurance questions, and permit requirements can turn on details that matter. We link to primary sources when we can verify them and avoid publishing numbers that look precise but are not.
Florida Building Code and the 25 percent rule
Florida House of Representatives staff analysis of HB 3D (2022D), companion to Senate Bill 4-D, which quotes Section 611.1.1 and sets out the exception added to section 553.844, Florida Statutes.
Roof age and homeowners insurance
Florida Statute 627.7011, via the Florida Legislature.
Current code edition
Florida Building Commission. The 8th Edition (2023) is in effect. The 9th Edition takes effect December 31, 2026.
Permit requirements by jurisdiction
Hillsborough County Building Services, Pinellas County Building and Development Review Services, and the building departments of Clearwater, Largo, St. Petersburg, and Plant City.
Housing figures
U.S. Census Bureau, American Community Survey 2024 estimates.
Code and permit rules change, and jurisdictions update their own pages. Treat everything here as a starting point and confirm with your permit office or insurer before making a decision. Each city page links directly to the building department it describes.