Roof Damage

Roof Damage Insurance Claims: Repair and Roof Replacement Insurance Claims

Each year thousands of roofs are repaired or replaced across Florida. From aging materials, to storm and hurricane damage, roofs can take a beating.

For the majority of Florida residents, a roof repair or replacement first involves filing an insurance claim. Considering the national average for roof replacement coming in at $8,373, it’s no wonder so many home and business owners look to their insurance for help with covering costs.


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Roof Damage Insurance Claims: Roofing Repair and Replacement Claims in Florida

Does homeowner’s insurance cover roof replacement or repair? That depends.

Generally, most ‘all-perils’ insurance policies will cover the cost of roof repair or replacement if it becomes damaged. However, this coverage typically only extends to damage caused by an act of nature or a sudden accident, not that caused by general wear or failure to maintain the property.

When it comes to Florida roofs, Hurricanes and storms are a leading cause of roof damage and leaks. IN fact, in 2018 alone, data from insurance aggregates revealed more than 750,000 insurance claims for damage due to residential property.

As a state vulnerable to often severe storm seasons, residents and businesses are no stranger to tropical storms, hurricanes, strong winds, lightning strikes and more.

For Florida Residents:

Key Takeaways

Roof damage as the result of an act of nature, accident or sudden event is typically covered by homeowners’ insurance policies.  A roof that has been gradually deteriorating often will NOT be covered by insurance.

Those roofs that are more than 20-years old may only qualify for partial coverage (if any).  If the event of damage, contacting your insurance company ASAP is advisable.

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What Can I Do If My

Roof Repair or Replacement Claim is ‘Stuck’ or Denied?

Receiving an insurance denial can be heartbreaking and frustrating. You put your trust in your insurance company, reliably paying your premiums and expecting them to be there for you in your time of need.  Unfortunately, all too often Florida residents find that their claim for roof damage due to hail, wind, hurricanes or other acts of nature or accidents are denied.

If you too received an insurance denial, don’t give up. Put a public adjuster from our company on your side and let us do what we do best. We work on the side of policyholders, ensuring that insurance companies pay what they are required to under the terms of its policy.

We know how to build an insurance claim the right way, from documentation of evidence in your favor, to highlighting policy terms and providing a professional, in-depth examination that can aid in getting your claim approved in full.

1 The consumer is responsible for payment of any insurance deductible; 2 It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to a property covered by a property insurance policy; and 3 It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.