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Should a Roof Be Repaired or Replaced?


When a major storm occurs, the roof of a home is typically the part that receives the most damage, making it quite common on insurance claims. Whether it’s a few shingles flying off or massive roof structure damage, it’s imperative to get the roof repaired as quickly as possible.

Insurance companies often find themselves in a situation where they must decide whether the roof is worth replacing or repairing. During this debate, the “25% Rule” may emerge, which according to the Florida Building Code states that “not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12 month period….” This rule has several stipulations that your insurance attorney can discuss with you.

There are other factors to consider such as the brittle shingle test which insurance companies tend to use to prove that roof shingles are still fully functional as well as asphalt granular shingle loss and single bruising.

Take the time to fully read your policy so you know what is and isn’t covered. If you have questions or are unsure of how to proceed with your claim, we are here to help you so you can get your home repaired and enjoy 2018 with some peace of mind.

This information is provided by Miami insurance attorney Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with one of our attorneys and receive a free consultation We look forward to working with you.

This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.