Permit
A permit is needed
Florida’s code exempts no building work from permits (FBC Building § 105.2); in Lutz the reroof permit comes from Hillsborough County’s building department.
Roof Replacement in Lutz, FL
Lutz has 18,192 homes, and half of them were standing by 1993. 67% predate 2000, and in Florida the age of the house decides what a reroof has to include.
New Roofing Costs connects homeowners with independent local roofing contractors. We do not perform roofing work.
Call (833) 781-1806 Replacement and new roofs only · homeowners
This number connects homeowners who are planning a new roof or a full roof replacement with independent local roofing contractors. It is not for leak repairs or patch jobs. The call must come from the homeowner who decides on the roof. Calls may be recorded.
The rules for a reroof in Lutz
Layers
When the old roof must come off
A tear-off to the deck is required where the roof already has two layers, where the covering is tile, slate or wood shake, or where it is water-soaked or deteriorated (FBC Existing Building 706.3).
The 25 percent rule
Partial work can bring in the whole roof
Florida limits partial work: if more than 25 percent of a roof or roof section is redone in 12 months, the whole roof or section has to meet the current code. Roofs built or replaced under the 2007 Florida Building Code or later are exempt; only the new part must meet the code in effect (FBC Existing Building 706.1.1; Fla. Stat. § 553.844(5)).
Source: FBC Existing Building, 8th ed. (2023), Chapter 7; Fla. Stat. § 553.844
Houses permitted before 2002
A secondary water barrier and deck re-nailing
If your site-built single-family home was permitted before the Florida Building Code took effect (March 1, 2002), a full roof replacement must include a secondary water barrier and re-nailing of the roof deck: at least two 8d nails per rafter, a nail counting as 8d if it is at least 0.113 inch thick and 2¼ inches long (Fla. Stat. § 553.844(3); FBC Existing Building 706.7).
67% of homes in Lutz were built before 2000 (ACS); the year the house was permitted is what counts.
Source: Fla. Stat. § 553.844; FBC Existing Building, 8th ed. (2023), Chapter 7
Rules as read on October 24, 2026. The state’s code edition and the rest of its rules: roof replacement in Florida.
Homes and roofs in Lutz
Of 17,258 occupied homes in Lutz, 12,187 (71%) are owner-occupied. By year built, 3% before 1960, 23% before 1980, 67% before 2000; 33% went up in 2000 or later. (ACS 2020–2024.)
By building type: 70% detached houses, 6% attached single-family houses (rowhouses, twins and townhouses), 5% manufactured homes.
Of the 33 Hillsborough County places on this site, Lutz has the 14th largest share of homes built before 2000: 67%, against a county range of 17% to 95%.
ZIP codes: 33548 · 33549 · 33559
Lutz and the towns around it
| Place | Median built | Before 2000 | Owners | Row, twin | Hail days |
|---|---|---|---|---|---|
| Lutz | 1993 | 67% | 71% | 6% | 15 |
| Cheval | 2000 | 49% | 72% | 7% | 14 |
| Lake Magdalene | 1985 | 78% | 32% | 6% | 14 |
| Land O' Lakes | 2005 | 26% | 82% | 8% | 12 |
| Northdale | 1986 | 82% | 73% | 9% | 12 |
| Pebble Creek | 2002 | 44% | 76% | 8% | 13 |
Median built: median year the homes were built. Before 2000: share of homes built then. Owners: share of homes that are owner-occupied. Row, twin: share of homes that are rowhouses, twins or townhouses. Census ACS 2020–2024. Hail days: days with hail of 1 inch or larger within 10 miles, 2006–2025, NOAA Storm Prediction Center.
Storm record around Lutz
NOAA’s storm reports show 15 days since 2006 with hail of at least 1 inch inside a 10-mile circle around Lutz, topping out at 1.25 in on July 10, 2017. The most recent was June 4, 2023.
That is more hail days than 81% of the places in the state on this site.
Hurricane Milton (DR-4834, October 2024) is the latest of 9 federal storm declarations covering Hillsborough County since 2006. (OpenFEMA.)
A report says hail fell near Lutz, not that it damaged a roof. When wind or hail damage means a new roof.
What goes on the roof next
Useful life is HUD’s planning figure, not a warranty. More in the guides to shingles, metal, slate, tile and flat roofs.
| Material | HUD useful life | Fits a house like | Watch for |
|---|---|---|---|
| Asphalt shingles | 20 years | Most pitched roofs; 70% of homes here are detached | Wind class set by the design wind speed (IRC Table R905.2.4.1) |
| Metal (standing seam, panels) | 50 years | Roofs that will carry solar later | Standing seam that carries its own loads can skip the tear-off (R908.3.1) |
| Slate | 75 years | Older and historic houses | Sound slate can be reused (R908.5); broken slate cannot |
| Clay or concrete tile | 60 years | Houses framed for tile | Can’t be roofed over (FBC-EB 706.3) |
| Flat roof: EPDM or TPO | 15 years | Porches, additions, low-slope rears | Coating is not a replacement |
Checking a contractor in Florida
Roofing in Florida takes a state license: Certified Roofing Contractor (CCC), valid statewide, or Registered Roofing Contractor (RC), valid only where the contractor holds a local certificate. 9,419 CCC licenses were active on October 23, 2026. Look up the number of anyone pricing a roof in Lutz on DBPR.
The price side is in what a new roof costs in Florida; the paperwork side in Florida roofing licenses.
Questions about a new roof in Lutz
Does a roof replacement in Lutz need a permit?
A permit is needed. Florida’s code exempts no building work from permits (FBC Building § 105.2); in Lutz the reroof permit comes from Hillsborough County’s building department.
Do the old shingles have to come off in Lutz?
A tear-off to the deck is required where the roof already has two layers, where the covering is tile, slate or wood shake, or where it is water-soaked or deteriorated (FBC Existing Building 706.3).
How old are the houses in Lutz?
By the Census Bureau’s American Community Survey (2020–2024), the median home in Lutz was built in 1993, 67% of homes were built before 2000, 71% are owner-occupied.
How often does hail hit Lutz?
Hail of 1 inch or larger was reported on 15 days within 10 miles of Lutz from 2006 through 2025 (NOAA Storm Prediction Center). A report means hail fell nearby, not that a roof was damaged.
How do I check a roofing contractor in Lutz?
Roofing in Florida takes a state license: Certified Roofing Contractor (CCC), valid statewide, or Registered Roofing Contractor (RC), valid only where the contractor holds a local certificate. 9,419 CCC licenses were active on October 23, 2026. Look up the number of anyone pricing a roof in Lutz on DBPR.
What they will ask on the phone
- The street address in Lutz, or at least the ZIP code
- The number of stories, and whether the house stands alone
- What covers the roof now and about when it went on
- Whether there is one layer or more, if you know
- That you want a new roof or a full replacement, and when you want the work done
- When the house was permitted, and when the current roof went on
- That you are the owner and the one who decides
The full list: before you call.