Florida Building Code Existing Building Section 706 says that if more than 25% of a roof section is damaged or repaired within any 12-month period, that entire roof section must be brought up to current code. The 2022 SB 4-D exception changed the math for newer homes.
Each roof plane is measured separately. On a hip roof, the rear slope is its own section — which often keeps a legitimate repair under the 25% threshold when another contractor claimed a full replacement was required.
Most Florida HO-3 policies carry 10-25% of dwelling coverage for code upgrades triggered by the 25% rule: secondary water barrier, upgraded nailing patterns, drip edge. Matata Roofing documents the code trigger in writing so your carrier pays it instead of you.
Free drone inspection and an honest written answer: (321) 444-5191. Licensed FL CCC1337212.