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More often than not, yes – but thankfully not always. If requesting insurance coverage on your commercial roof that is more than 15 years old, insurance providers are required to carry out an inspection before refusing coverage. Fortunately for business owners, the age of the roof is no longer reason enough to allow an insurance provider to write it off. If your roof is well maintained, made from high-quality commercial roofing materials, and in good condition, it is possible that its lifespan can considerably exceed the 15-year mark. However, we recommend that any insurance coverage you enter into with a roof more than 15 years old should be studied carefully. As insurance providers always seek to cover their interests, you should be 100% satisfied with the terms of the deal before signing.
Read the small print!
This rule is a legal stipulation that any roof over the age of 15 years must be inspected and re-certified to meet current code requirements. Upon reaching a 15 year lifespan, an advanced commercial roofing professional must inspect the roof and be satisfied that it has a minimum of five more years of operation left. Under previous laws, any roof over 15 years old had to be replaced as insurance providers would refuse to cover anything older than that. Thankfully, laws were recently changed to offer businesses better cost-efficiency from their roofs with an increased legal lifespan.
To make a long story short, yes.
To legally operate as a roofing contractor in the state of Florida, you are required to obtain what is known as a roofing contractor’s license. This is obtained from the Department of Professional Regulation (DBPR) via the Construction Industry Licensing Board (CILB).
When choosing the professional (or professionals) to handle your advanced commercial roofing, it is crucial that you find someone who is correctly accredited. Working with someone who is unlicensed would certainly allow for competitive pricing, but not only is it unlawful, you will not be covered by insurance in the event of an incident or damages. Working with a licensed professional allows for peace of mind, security, and a much higher-quality end product. Don’t cut this corner.
The average range for a roof replacement in Florida is between $11,000 and $30,000, depending on the size and materials used. The most common cost sits at around $15,000 for many commercial roofing companies.
Whilst these figures act as a guide, each and every roof is different. From the square footage of the property to your choice of commercial roofing materials or location across the state, the costs can vary greatly. Speaking with a commercial re-roofing company will allow you to build a more accurate picture of the costs associated with your project – helping you to plan more effectively for the required financial outlay.
This rule previously stated that if more than 25% of a roof in Florida needed to be repaired, then the entire roof must be replaced in order to maintain compliance with building codes.
However – there is good news on this topic! In May 2022, the regulations were altered to state that if the remainder of the roof complies with the 2007 Florida Building Code (or any thereafter), then no full replacement is necessary. With this new code in place, home and business owners alike can save on commercial roofing materials and refurbishment costs by only needing to focus on the affected sections of their roofing. However, if your roofing was built before March 1, 2009, it is still highly likely that you will need to abide by the previous 25% ruling. Keep this in mind when planning for your upcoming refurbishments.
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There are a lot of factors that determine when a roof in Florida needs to be replaced, including the commercial re-roofing materials used.
For example, a shingle roof may only last around 15-20 years, whereas more robust tile or stone roofing can last as long as 40 years. In Florida, many insurance companies are now limiting their roof coverage to a maximum of 15 years, meaning it’s more important than ever to replace your roof entirely when required. With commercial roofing legislation changing regularly, advanced commercial roofing companies are, unfortunately, now unable to produce a roof that is guaranteed for decades. What is made for the regulations of today cannot account for the regulations of tomorrow.
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