Can you get a new roof if it doesn’t trigger the “25% rule?”
If you have a replacement cost policy with law and ordinance coverage, you may have a claim for roof replacement even if the peril created damage did not damage 25% of your roof to initially trigger the Florida Building Code’s replacement requirement (see my previous blog posts explaining the “25% Rule,” Law and Ordinance coverage, Actual Cash Value, and Replacement Cost coverage). If physical damage is incurred in making repairs to the peril created damage, then that should also be covered in the adjustment of the claim pursuant to Section 626.9744, Florida Statutes, which states as follows: