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Title 24 Cool-Roof Rules in 2026: A San Diego Homeowner’s Guide

If you are replacing a roof in San Diego in 2026, the phrase "Title 24" is going to show up early, and often. Homeowners usually hear it in a rushed sentence from a salesperson, a building department handout, or a permit comment that seems written for someone else. The result is predictable. People think cool-roof rules are either a simple paint-color issue or a universal requirement with no exceptions. Neither view is right. What matters in practice is how California’s