How to File a Roof Insurance Claim in Florida: Your Insider’s Guide

Have you noticed damage to your roof? Do you have a roof leak?

Dealing with roof damage in Florida can be stressful, especially when it comes to navigating a complex insurance claim. This guide is your step-by-step roadmap for how to file a roof insurance claim the right way, ensuring your home is repaired properly and you’re fully compensated for the damage.

Before you contact your insurance company or schedule roof repairs or a replacement, there are steps you need to take to ensure you get the most out of your insurance claim quickly. We’ve outlined the steps you need to take from start to finish.

First, Do You Have a Valid Roof Insurance Claim?

If your roof or home is currently covered by an existing policy, then you need to understand how much protection it gives you. In other words, you need to know what your insurance covers and what it does not.

What’s covered by your insurance?

If you are a homeowner, there are many insurance policies for you to choose from. Most insurance providers will cover the cost of roof repairs or replacement as long as the damage was caused by an event out of your control.

Below is a list of what most insurers will cover:

• Fire
• Hail
• Wind
• Vandalism
• Lightning strikes
• Falling objects
• “Acts of God”

Remember, your roof insurance may require a deductible before it will help pay for roof repairs or roof replacement. Read your policy to find your deductible and coverage limits. Also, wind and hail damage may be excluded from some homeowners insurance policies, so double-check that as well.

If you’re unsure about your coverage, but you know you have a roof problem,  you can schedule a free inspection and we’ll help you determine your coverage once we understand the extent of the damage.

What’s not covered?

While most home insurance policies will cover the repair or replacement of roofs damaged by nature, there are a few cases where you will have to pay out of your own pocket. Depending on the policy or provider that you got, your roof may not be covered under the following circumstances:

• Your roof is too old
• The damage to the roof was caused by poor maintenance
• The damage was intentional or accidental but caused by the homeowner

Homeowners in areas where there is more risk for severe weather events often have to pay for higher deductibles before the policy kicks in. In some cases, they have to buy a separate policy, such as a windstorm or hurricane insurance.

Your Step-by-Step Guide to Filing a Roof Insurance Claim

Let’s say you’re concerned your roof might be damaged. Here are some things you should be aware of before you think about filing a roof insurance claim for the damage to your property.

Step 1: Inspect Your Roof for Damage

The first step in filing a roof insurance claim is assessing the damage. While it’s important to conduct a preliminary inspection yourself, always remember safety comes first. Look for signs like:

• Missing, cracked, or damaged shingles
• Leaks or water stains in your attic or ceilings
• Detached flashing or damaged gutters
• Punctures, holes, or sagging areas on the roof

While you can inspect your roof from the ground with binoculars, it’s best to call a professional roofer to conduct a more thorough assessment who may be able to find hidden damage. They can provide a detailed report and ensure all damage is identified. 

Step 2: Document the Damage

Documenting the damage to your roof is essential for the insurance claim process. Take clear, high-quality photos and videos of all visible damage. Ensure that you capture:

• The affected areas of the roof
• Debris on the roof or surrounding property
• Interior damage like water stains or leaks
• Damage to other structures like gutters, vents, or chimneys
• This documentation will serve as evidence for your insurance claim, helping you to secure adequate compensation.

As a certified roofing contractor in the state of Florida, Legion Roofing & Construction is able to document the extent of the damage and make sure all bases are covered prior to a claim being filed. This gives you the best possible chance of your claim being accepted and paid out.

Additionally, when you hire a roofing company who is committed to consumer advocacy, like Legion Roofing, you’ll have an expert consultant on your side throughout the claims process.

Homeowners tend to have much better success with their claims when they have an expert on their side.

Step 3: Review Your Insurance Policy

Deductibles are the amount of money you must pay out-of-pocket for repairs before your insurance company covers the rest of the cost. In some states, insurers can charge a higher deductible for hurricane-related wind and hail damage than they would otherwise.

Get a copy of your policy and scan through it until you locate the section about deductibles. Or, if you have an insurance agent, you can contact them. You can also contact the customer service line for your insurance company and give them your details so they can access your policy.

Before filing a claim, it’s crucial to understand what your homeowner’s insurance policy covers. Most standard policies cover storm-related roof damage, but there may be certain exclusions or deductibles to be aware of. Check for the following:

• Coverage limits: Know how much your policy will cover for roof repairs or replacement.
• Deductibles: You will need to cover your deductible before your insurance kicks in, so it’s essential to know what you’re responsible for.
• Exclusions: Some policies exclude certain types of damage, like wear and tear, or specific types of roofing materials. Make sure the type of damage caused by hurricanes is covered.

Just make sure you don’t file a claim until you’ve consulted with your roofing contractor.

Step 4: Contact Your Insurance Provider

Once you’ve assessed the damage and reviewed your policy, it’s time to notify your insurance company. Contact your provider and let them know about the roof damage and it’s cause. They will guide you through the claims process and provide you with the necessary forms.

When speaking with your insurer:

• Provide details about the damage and any potential hazards.
• Explain the extent of the roof damage as thoroughly as possible.
• Mention any immediate repairs you’ve had to make to prevent further damage.

Step 5: Get an Estimate from a Roofing Contractor

Before your insurance adjuster arrives, it’s a good idea to have an estimate from a trusted roofing contractor. A professional roofer can provide a detailed assessment of the damage and an estimate for repairs or roof replacement. This can give you leverage when negotiating with your insurance company, ensuring you’re not underpaid for the work needed.

Step 6: Meet with the Insurance Adjuster

After filing your claim, your insurance provider will send an adjuster to assess the damage. It’s important to be present during this inspection to ensure that all the damage is properly noted. You can:

• Provide the adjuster with your own documentation (photos, videos, contractor estimate).
• Point out any areas of concern that may not be immediately visible.
• Ensure the adjuster captures the full extent of the roof damage.

Step 7: Review the Settlement Offer

Once the adjuster has completed their inspection, your insurance company will provide you with a settlement offer. Review this offer carefully to ensure it covers the full cost of repairs or replacement as needed. If you believe the offer is too low, you can:

• Submit your roofing contractor’s estimate for consideration.
• Request a re-inspection or appeal the settlement.

Step 7: Hire a Roofing Contractor

After accepting the settlement, you can move forward with hiring a roofing contractor to repair or replace your roof. Ensure you choose a licensed and insured roofer with experience in handling storm damage, like the professionals at Legion Roofing and Construction. A reputable roofer can also help you navigate any additional claims or required documentation.

Dealing with roof damage can be stressful, but knowing how to file a roof insurance claim makes the process more manageable. By staying organized, documenting the damage, and working with a professional roofing contractor, you can get the compensation you deserve and restore your home quickly.

At Legion Roofing and Construction, we specialize in working with homeowners on roof repairs and insurance claims after major storms. Our expert team will help you navigate the process from start to finish, ensuring your home is protected and restored. Contact us today for a FREE Roof Inspection, and let us help you get the roof repairs you need.

FAQs About Filing Roof Insurance Claims

How do I know if my roof damage qualifies for insurance coverage?

If the damage was caused by events like wind, hail, hurricanes, fire, or falling debris, it’s typically covered. Wear and tear or lack of maintenance, however, are usually excluded. A professional inspection can help confirm.

How long do I have to file a roof insurance claim in Florida?

Check your insurance policy for how long you have to file a claim. However, we always recommend to filing insurance claims sooner rather than later to avoid delays.

What can I do if my insurance claim is denied?

Request a detailed explanation for the denial, provide additional documentation (like a contractor’s report), and consider filing an appeal. A trusted roofing expert can guide you through this process.