{ "name": "floridaroofreplacementcost.com Florida Roof Rules And Insurance", "title": "Florida Roof Rules And Insurance", "url": "https://floridaroofreplacementcost.com/datasets/florida-roof-rules-and-insurance/", "csv": "https://floridaroofreplacementcost.com/datasets/florida-roof-rules-and-insurance.csv", "markdown": "https://floridaroofreplacementcost.com/datasets/florida-roof-rules-and-insurance/index.md", "computed_at": "2026-09-26", "license": "https://floridaroofreplacementcost.com/terms", "headline": "The Florida Roof Rules And Insurance carries 2 published figures read from 3 sources' own pages, from 15 to 25 percent, read 26 September 2026.", "quotes": [ "The Florida Roof Rules And Insurance carries 2 published figures read from 3 sources' own pages, from 15 to 25 percent, read 26 September 2026.", "3 of the 9 named sources read in full publish a figure; 5 publish none, read 26 September 2026.", "The median is unchanged since 25 September 2026 (was 20 percent across 2)." ], "citation": "\"floridaroofreplacementcost.com Florida Roof Rules And Insurance\", updated 2026-09-26, https://floridaroofreplacementcost.com/datasets/florida-roof-rules-and-insurance/.", "changed_since": { "since": "2026-09-25", "previous_median": 20, "delta": 0, "direction": "unchanged", "sentence": "The median is unchanged since 25 September 2026 (was 20 percent across 2)." }, "national": { "unit": "%", "n": 2, "median": 20, "min": 15, "max": 25, "p25": 12.5, "p75": 27.5, "mean": 20, "units": { "%": 2, "USD": 1, "year": 2 }, "published_sources": 3, "named_sources": 9, "read_sources": 9, "not_published": 5, "published_share": 0.333 }, "by_axis": {}, "rows": [ { "source": "Florida Statutes 627.7011 (replacement cost, roof deductible, law and ordinance)", "url": "https://www.flsenate.gov/laws/statutes/2022/627.7011", "figure": "25 percent", "value": 25, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "This subsection does not prohibit the offer of a guaranteed replacement cost policy. (2) Unless the insurer obtains the policyholder’s written refusal of the policies or endorsements specified in subsection (1), any policy covering the dwelling is deemed to include the law and ordinance coverage limited to 25 percent of the dwelling limit.", "source_class": "primary-government", "text_sha256": "1a7340d9527b055adf0d05cbcbb13026e72037390d2d69c58e475391ed5fb970" }, { "source": "Florida Statutes 627.7011 (replacement cost, roof deductible, law and ordinance)", "url": "https://www.flsenate.gov/laws/statutes/2022/627.7011", "figure": "3 years", "value": 3, "unit": "year", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "The insurer must provide the policyholder with notice of the availability of such coverage in a form approved by the office at least once every 3 years.", "source_class": "primary-government", "text_sha256": "1a7340d9527b055adf0d05cbcbb13026e72037390d2d69c58e475391ed5fb970" }, { "source": "Florida Statutes 627.701 (liability of insured; deductibles)", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "figure": "3 years", "value": 3, "unit": "year", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "The insurer must provide the policyholder with notice of the availability of the deductible specified in this subsection in a form approved by the office at least once every 3 years.", "source_class": "primary-government", "text_sha256": "3d0709928107120688f0944189fa9ab80870d21166859610f8ef7b5dc0122bfc" }, { "source": "the authority per rule", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0553.844", "figure": "15 percent", "value": 15, "unit": "%", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "Roof-to-wall connections shall not be required unless evaluation and installation of connections at gable ends or all corners can be completed for 15 percent of the cost of roof replacement.", "source_class": "primary-government", "text_sha256": "5bab6314345e536d7132c41e37fd26b1278cf1197d2b6db32f7bcf8f39a7fbfa" }, { "source": "the authority per rule", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0553.844", "figure": "$300,000 ", "value": 300000, "unit": "USD", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "1609.2 of the International Building Code (2006) and that has an insured value of $300,000 or more or, if the building is uninsured or for which documentation of insured value is not presented, has a just valuation for the structure for purposes of ad valorem taxation of $300,000 or more, a roof replacement must incorporate the techniques specified in subparagraph (2)(b)3.", "source_class": "primary-government", "text_sha256": "5bab6314345e536d7132c41e37fd26b1278cf1197d2b6db32f7bcf8f39a7fbfa" }, { "source": "the authority per rule", "url": "https://www.flsenate.gov/Laws/Statutes/2024/0553.844", "figure": "$50,000 ", "value": 50000, "unit": "USD", "vat": null, "axis": {}, "retrieved_at": "2026-09-26", "quote": "r repair work associated with the prevention of degradation of the residence, that is applied for on or after July 1, 2008, and for which the estimated cost is $50,000 or more, must include provision of opening protections as required within the Florida Building Code for new construction for a building that is located in the w", "source_class": "primary-government", "text_sha256": "5bab6314345e536d7132c41e37fd26b1278cf1197d2b6db32f7bcf8f39a7fbfa" } ], "not_published": [ { "source": "Florida Statutes Chapter 489 Part I (construction contracting)", "url": "https://www.flsenate.gov/Laws/Statutes/2024/Chapter489/PART_I/", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Building Commission declaratory statement DS 2020-022 (25% rule)", "url": "https://floridabuilding.org/fbc/commission/FBC_0820/DEC_Statements/DS_2020-022-STAFF-ANALYSIS-Final.htm", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Building Commission code portal", "url": "https://www.floridabuilding.org/c/default.aspx", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "Florida Administrative Code: CILB rules (Division 61G4)", "url": "https://www.flrules.org/gateway/Division.asp?DivID=112", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "J.S. Held: Florida's 25% roofing rule", "url": "https://www.jsheld.com/insights/articles/florida-building-code-25-rule-roofing", "retrieved_at": "2026-09-26", "reason": "every candidate on the page was refused" } ], "sources": [ { "url": "https://www.flsenate.gov/laws/statutes/2022/627.7011", "label": "Florida Statutes 627.7011 (replacement cost, roof deductible, law and ordinance)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0627.701", "label": "Florida Statutes 627.701 (liability of insured; deductibles)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0553.844", "label": "Florida Statutes 553.844 (windstorm loss mitigation; requirements for roofs)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/Chapter489/PART_I/", "label": "Florida Statutes Chapter 489 Part I (construction contracting)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://floridabuilding.org/fbc/commission/FBC_0820/DEC_Statements/DS_2020-022-STAFF-ANALYSIS-Final.htm", "label": "Florida Building Commission declaratory statement DS 2020-022 (25% rule)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.floridabuilding.org/c/default.aspx", "label": "Florida Building Commission code portal", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flrules.org/gateway/Division.asp?DivID=112", "label": "Florida Administrative Code: CILB rules (Division 61G4)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.jsheld.com/insights/articles/florida-building-code-25-rule-roofing", "label": "J.S. Held: Florida's 25% roofing rule", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.flsenate.gov/Laws/Statutes/2024/0553.844", "label": "the authority per rule", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through the estate's fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 9 named sources that could be read published a usable figure; 5 published none and are recorded as not published, never filled in; 0 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 13 candidate sentence(s) were refused by a reviewer with the reason recorded. Derivation as chartered: one row per rule - the 25% limit and its 2007-code exception, the roof-decking and secondary-water-barrier retrofits and the cap on what they may cost, the permit requirement, the roof-age underwriting limit and the roof deductible - each quoted verbatim from the statute or code section with its effective date and its amendment history, so the page can say what changed and when. The derived column is the one a homeowner is actually asking for: what each rule ADDS to the job, joined to the cost index, so 'why is my Florida roof more expensive' has a line-by-line answer sourced to law rather than to a contractor's opinion. Changed-since on every section, which is the news at each legislative session and each code edition.", "embed": "

15 to 25 percent

2 published figures, Florida Roof Rules And Insurance, across 3 sources, read 26 September 2026

Source: floridaroofreplacementcost.com Florida Roof Rules And Insurance
" }