November 30, 2025
The Role of Due Diligence in Securing Property Insurance
Securing commercial property insurance has become a more complex process in recent years, driven by rising claim costs,
The condition of a commercial roofing system has a direct impact on occupant safety, regulatory compliance, and long-term asset performance.
When signs of deterioration emerge, such as persistent leaks, membrane degradation, or punctures, determining whether reroofing or full replacement is the appropriate course of action requires careful evaluation.
And with hail season underway, the likelihood of damage—and the urgency for accurate roof decisions—only increases. According to ZestyAI, a firm specializing in property and climate risk analytics, over 12.6 million properties in the US are at high risk of hail-related roof damage, with potential replacement costs estimated at $189.5 billion.
While both reroofing and replacement aim to restore protection and functionality, each carries distinct technical, financial, and operational implications for commercial roofing in Florida and across the US.

Reroofing, also referred to as an overlay, involves the installation of a new roofing membrane or system directly over an existing roof, without the removal of the original material.
In most jurisdictions, building code regulations allow for a single reroofing layer, provided the existing system is in acceptable structural condition and shows no signs of moisture entrapment or significant substrate failure.
Reroofing is commonly performed using thermoplastic polyolefin (TPO), ethylene propylene diene monomer (EPDM), or modified bitumen systems, depending on the existing substrate and local environmental conditions.
Roof replacement involves a complete tear-off of the existing roofing materials down to the structural deck, followed by inspection, necessary remediation, and the installation of a new roofing system.
The process allows for a comprehensive evaluation of the decking, vapor barrier, insulation, and drainage systems. It may also incorporate upgrades in insulation (meeting new R-value requirements), slope corrections, and improved flashing integration.
Replacement is commonly selected when the existing system has reached the end of its service life, or when substantial damage, saturation, or code violations are present.
Choosing between reroofing and full roof replacement is not simply a matter of cost or convenience. For commercial property owners, the decision affects structural performance, code compliance, long-term costs, and building value.
A thorough evaluation of the existing system’s condition, regulatory landscape, and long-term goals is necessary before moving forward.
The current condition of the roof is the most influential factor in determining the feasibility of reroofing.
A comprehensive inspection should assess:
If damage is limited and the structural deck remains dry and stable, reroofing may be a viable solution.
However, if moisture is widespread, the insulation has lost its R-value, or there is evidence of chronic ponding water, full removal and replacement are typically warranted.
Most commercial roofing systems—whether TPO, EPDM, modified bitumen, or BUR—are designed to last between 20 and 30 years, depending on material type, installation quality, and exposure conditions.
A roof approaching or exceeding that range is unlikely to benefit from reroofing, especially if previous repair records indicate ongoing issues such as seam failure, flashing deterioration, or surface cracking.
Frequent patchwork can signal systemic aging, where surface repairs merely postpone a more significant—and potentially more expensive—problem. In such cases, a full replacement allows for renewed system performance and reset warranties.

Budget limitations often push building owners toward reroofing as a lower upfront investment. However, this approach should not be taken without considering the implications of lifecycle cost.
A reroof may initially cost less than a full replacement, but if underlying issues are left unaddressed, hidden damage can result in leaks, reduced energy performance, or shortened system life. Risks can accumulate and offset the initial savings, especially if another major repair or replacement becomes necessary within five to ten years.
To make a financially responsible decision, it is recommended to conduct a Lifecycle Cost Analysis (LCCA). The process compares initial installation costs, ongoing maintenance expenses, energy efficiency impacts, and projected lifespan to determine which option delivers the best value over time.
Local building codes can greatly influence the reroof vs. replacement decision. Most jurisdictions prohibit the installation of more than two roofing layers due to weight and safety concerns.
Additionally, reroofing may not be permitted if:
Regulatory codes also dictate minimum standards for wind uplift resistance, fire classification, and insulation R-value.
If the current system cannot meet these criteria under a reroofing strategy, a full replacement will be necessary to bring the building into compliance—particularly for facilities like hospitals and municipal buildings that must adhere to stricter standards due to occupancy type or usage.
Energy efficiency is an increasingly important consideration, both from a compliance and sustainability perspective.
Reroofing typically does not allow for significant changes to the roof’s thermal performance, as space is limited for added insulation or new energy-saving layers.
By contrast, a full replacement provides the opportunity to upgrade insulation to meet or exceed IECC (International Energy Conservation Code) standards, which continue to evolve.
A new roof also allows the design team to incorporate:
Such enhancements can translate into measurable energy savings and help commercial properties achieve sustainability certifications or qualify for local rebates and incentives.
Finally, the broader strategic use of commercial buildings should influence roofing decisions.
For facilities that are part of a long-term portfolio—such as healthcare campuses, government buildings, or Class A office properties—a full replacement offers advantages in capital planning, risk mitigation, and property valuation.
A new roofing system may:
Conversely, if the building is a temporary-use structure or slated for repurposing or demolition within a shorter timeline, reroofing may be a reasonable and cost-effective interim solution.
Determining whether reroofing or full roof replacement is appropriate should never rely on visual inspection alone. The involvement of experienced professionals, use of advanced diagnostics, and consideration of long-term asset management goals are critical to avoiding premature failure and ensuring regulatory compliance.
While many commercial roofing contractors can provide installation, identifying subtle structural issues—especially those related to hail or wind damage—requires a higher level of specialization.
At BlueTeam, we work with roof inspectors certified by one of the top engineering firms in the industry, ensuring precise identification of hail and wind-related damage and optimal decision-making for remediation.
We also provide detailed hail inspections, damage assessments, and code-compliant restoration strategies that protect your capital investment.
A number of roofing companies can deliver quality workmanship, but when it comes to recognizing storm-related damage, only a team 100% focused on it can give you the answers you need.
That’s what BlueTeam delivers: expertise you can rely on, backed by training, technology, and a commitment to excellence.

Make the right choice for your commercial building’s future. Contact BlueTeam today to request a roof inspection, learn more about our reroofing and replacement services, or book a hail damage assessment conducted by certified professionals.
Your building deserves the highest level of protection—and we’re here to provide it.