Is a roof eligible for this change?
“If an existing roof system or roof section was built, repaired, or replaced in compliance with the requirements of the 2007 Florida Building Code”. The simplest way to determine if the roof meets this requirement is to review the date the permit was issued. The 2007 FBC came into effect March 1, 2009, as noted by the Florida Building Commission in the figure below. One can assume anything permitted after the “original” effective date will be compliant with that code. Therefore, anything permitted after March 1, 2009, was likely built, repaired, or replaced in accordance with the 2007 FBC as indicated by SB4. Refer to the adjacent image for the FBC effective dates courtesy of the Florida Building Commission website.
Can a roof be permitted earlier than March 1, 2009, and comply with the 2007 FBC?
Yes, but it is highly unlikely, and difficult to check. Building codes are the minimum requirements; therefore, buildings could have been built with more wind resistance if requested. After Hurricane Andrew in 1992 and the 2004 and 2005 hurricane seasons (Charley, Frances, Ivan, Jeanne, Katrina, Rita, Wilma, etc.), the Florida Building Commission continued to develop structural and roofing standards that would further increase building resistance to hurricane force winds. Throughout the years following these hurricanes, the FBC changed, among other things, the requirements for attaching a roof deck, a secondary water barrier, and the method of attachment for hip and ridge cap tiles. The numerous changes to the most common roofing types make it unlikely that any roof built before the 2007 FBC effective date meet the requirements of the 2007 FBC.
If your roof was permitted after March 1, 2009, SB4 allows homeowners (and insurance companies) to replace/repair more than 25% of their roof area without having to bring the entire roof up to code (i.e., replace the entire roof). However, concerns remain for contractors and professionals such as designing and installing an adequate “tie-in” transition between the existing roofing materials and the repair area(s), assessing the reparability of roofs (see other article from Haag https://haagglobal.com/june-2018-blog/), and assessing the cost effectiveness of repairs. Further, bias may aggravate disagreements between parties regarding the extent of storm damage, total area of repair required, and cost to repair. Thus, it remains important to have knowledgeable adjusters, engineers, consultants, and roofing contractors assess roof damage.
It should also be noted that SB4 prohibits local governments from adopting amendments to this exception; therefore, no counties in Florida will have exceptions including the High Velocity Hurricane Zone (HVHZ).
If a roof was permitted before March 1, 2009, it remains governed by the 25% rule.
If the roof was permitted before March 1, 2009, it remains governed by the 25% rule. Discussions often arise when quantifying the repair, in regard to the FEBC. Do we only include the components that require repair, or do we include surrounding components (for proper tie-off)? The release of the 2020 FBC removed the “related work” provision, which was often interpreted to limit the extent of the repair area as it related to the 25% provision. As a result, the Florida Building Commission released (April 2021) a declaration (DS 2021-007) which stated “… related work which involves the removal and installation of components for the purpose of connecting repaired areas to unrepaired areas (roof areas required for a proper tie-off) shall not be considered part of the roof repair in question, and therefore such related work shall not be counted toward the 25 percent threshold stated in section 706.1.1…” This statement has provided clarity on a contentious discussion that has affected Florida inspectors for years. Essentially, only the amount of materials needing repair (damaged in most discussions) should be included. This is also discussed by the Florida Roofing and Sheet Metal Association (FRSA) here.
Summary
The Florida Building Commission and SB4 have provided much clarity to a contentious issue that has been ongoing in the roofing industry for years. These recent changes allow homeowners and insurance companies to repair any percentage of a roof, as long as that roof was permitted after March 1, 2009. If the roof was permitted prior to March 1, 2009, only the components that require repair/replacement (generally, the damaged components) are to be included in the 25% calculation.