Orlando roof replacement, only when it's time

Yes. A roof replacement needs a building permit from your city or county, and the building department inspects the work. A roof replaced without a permit can cause problems when you sell the house or file an insurance claim.

Under the Florida Building Code, if more than 25% of a roof section is repaired or replaced within 12 months, the whole section has to be brought up to current code.

Since 2022, state law (section 553.844(5), Florida Statutes) makes an exception. If the existing roof was built or replaced under the 2007 Florida Building Code or later, only the part being repaired or replaced has to meet current code.

It depends on your insurer and your policy. Florida law (section 627.7011, Florida Statutes) says an insurer can't refuse or drop a homeowner's policy just because the roof is under 15 years old.

Once a roof is 15 or older, you have the right to an inspection by an authorized inspector first. If it shows at least five years of useful life left, the insurer can't refuse you over the roof's age alone. How a claim on an older roof gets paid depends on your policy, so ask your agent.

There isn't a set number of years. Sun, heat, storms and attic ventilation decide how long shingles last here. Replace when the roof shows it: shingles worn bare or curling across whole slopes, leaks in more than one place, or soft spots in the deck. Insurers also start asking questions once a roof passes 15 years.

Tile is heavy, so the framing has to be built for it. It cracks if someone walks on it the wrong way. And the underlayment under the tile usually wears out before the tile does, so a tile roof that looks fine can still leak.

Both. If a repair will fix it, that's what we recommend. See roof repair.