Margate's Housing Stock — Why the 1960s and 1970s Build Era Defines Today's Roofing Market

Margate's primary development era was the 1960s and 1970s — and the homes built during that period are now 50 to 65 years old. They were built well — concrete block construction that has stood up to decades of South Florida weather — but the roofing systems on those homes have been through multiple replacement cycles, and the generation of homeowners who built their lives in Margate during this era are now facing the most active roofing replacement market the city has seen in decades.

The pattern in Margate's older neighborhoods is consistent: a home built in 1968 got its first re-roof in the mid-1980s, its second re-roof after the 2004 or 2005 hurricane season, and is now either at or approaching the two-layer limit with a roof that is 15 to 20 years old and crossing Citizens Insurance thresholds. For many Margate homeowners, this is not just a Citizens Insurance issue — it is a structural reality check. AGK includes a full layer count and deck condition assessment on every Margate inspection, clearly explaining what the existing situation is and what the project will actually require before any commitment is made.

Margate also has a growing Caribbean and Latino community in its newer western sections — families who purchased homes in the 1990s and 2000s and are now experiencing their first Citizens Insurance non-renewal cycle as their roofs cross the 15 to 25 year age thresholds for the first time. For these homeowners, the roofing and insurance compliance process can be unfamiliar territory — and AGK explains every step in plain language before any work begins.

HOA and Non-HOA Margate — Freedom to Choose in Non-Governed Communities

One of Margate's distinguishing characteristics compared to neighboring cities like Coral Springs or Coconut Creek is its mix of HOA-governed and non-HOA residential neighborhoods. A significant portion of Margate's housing stock — particularly in the older eastern and central neighborhoods developed in the 1960s and 1970s — is not governed by an HOA. For homeowners in these non-HOA neighborhoods, the only approval required for a roof replacement is the City of Margate building permit. There is no architectural review committee to satisfy, no color palette to comply with, and no HOA approval timeline to factor into the project schedule. This means projects in Margate's non-HOA neighborhoods can move from inspection to permit filing faster than in heavily HOA-governed cities.

For the portion of Margate's housing stock that is HOA-governed — primarily in the newer western developments built in the 1990s and 2000s — the standard architectural review approval process applies. AGK identifies your property's HOA status during the free inspection and structures your project timeline accordingly. Non-HOA properties move directly to permit filing once you authorize the project. HOA-governed properties get the approval submission started immediately so the HOA timeline does not delay your Citizens Insurance compliance.

City of Margate Building Division — Permits Filed Correctly Every Time

Margate has its own municipal building department — the City of Margate Building Division — which operates independently from Broward County Building Department. All roofing permits for Margate properties must be filed directly with the city. Filing with Broward County for a Margate address creates delays and potential rejection. AGK Construction & Roofing files all Margate roofing permits directly with the City of Margate Building Division and manages the complete permitting process from application through final inspection closure.

All roofing products installed in Margate must carry HVHZ Florida Product Approval — the standard that applies throughout all of Broward County regardless of location. AGK verifies HVHZ compliance on every Margate project before any material is ordered. Every Margate installation includes 8d ring-shank nail deck attachment, self-adhering secondary water resistance underlayment, and complete product approval documentation as standard components of the installation.

Roofing Systems AGK Installs in Margate

• Shingle Roofing — The most common and cost-effective system for Margate's non-HOA single-family homes and for HOA communities where shingle is permitted. HVHZ-approved architectural shingles from GAF and Owens Corning in a full range of colors — no HOA color restriction for non-governed properties. Class 4 impact-resistant options available for insurance premium reductions. Citizens Insurance eligible at 15-year age limit. For Margate homeowners who want maximum Citizens compliance at the most accessible cost, shingle is the standard answer in non-HOA neighborhoods.
• Flat Roofing — Modified Bitumen — For Margate's significant inventory of flat-roof CBS homes in the older eastern and central neighborhoods. Modified bitumen is the proven residential flat roof system for South Florida. Full layer count assessment, deck condition evaluation, and drainage design review included on every Margate flat roof project. AGK performs full tear-off when the two-layer limit has been reached — no shortcuts, no overlays on systems that have exceeded the code limit.
• Tile Roofing — For Margate's HOA-governed western communities where tile is the required or preferred system and for non-HOA homeowners who want maximum longevity. Concrete barrel tile and flat tile with HVHZ-approved installation. 40 to 50 year lifespan. Citizens Insurance eligible at 25-year age limit — the longest Citizens eligibility window available. For Margate homeowners on their last feasible re-roof before structural concerns arise, tile provides the longest possible service life.
• Metal Roofing — Standing seam metal for Margate homeowners seeking the most durable and wind-resistant system available. 40+ year lifespan. Maximum wind mitigation ratings. Citizens eligible at 25-year age limit. No HOA color restriction for non-governed Margate properties — maximum flexibility in color and finish selection.

Our Roof Replacement Process in Margate

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Margate Neighborhoods & Areas We Serve

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