What is the 25% rule in roofing?

The 25% rule refers to some state codes where, if 25% or more of a roof section is damaged, full replacement may be required.

These are the states where the 25% rule applies in some capacity, but please keep in mind that enforcement generally comes from IRC and local municipal codes:

• Florida – Florida Building Code historically included a 25% rule; recent law changes mean it still applies in certain situations (older roofs, local code interpretation), though statewide insurance law has changed aspects of how it’s triggered.

• North Carolina – IRC-based code with a 25% threshold for reroofing permits/repairs (via adopted residential codes).

• South Carolina – Similar IRC adoption with 25% rule reflected in local code requirements.

• Minnesota – IRC/IBC adoption incorporates the 25% roof repair/replacement limits.

• Texas – State adopts model codes, but the applicability of the 25% rule is determined by local municipal code adoption and amendments.

• Colorado – Like Texas, Colorado jurisdictions adopt updated IRC/IBC codes; some use the 25% rule locally.

• Georgia – IRC-based codes in many cities include 25% limits on partial reroof work.

• Tennessee – IRC adoption means many local building departments apply the 25% rule.

• Alabama – Model code adoption includes thresholds similar to the 25% rule.

• Maryland – Local code adoption of IRC/IBC often references limits on partial re-roofing work.

• Illinois (certain municipalities) – Some cities (e.g., Chicago area ordinances) reference 25% threshold in local roofing provisions.

The 25% rule is one of many code-related items we flag during our supplement process to help maximize claim payouts for the contractors we work with.