Roof damage is a common issue for homeowners and businesses in Central Florida, especially after hurricanes or strong summer storms. If you’re unsure how roof insurance claims work in Florida, this guide can help you understand what to expect and how to protect your property.
Start by reading your policy carefully. Not all damage is covered. Most homeowners’ policies in Florida include protection for wind and storm damage, but some policies exclude certain types of events. Damage caused by wear and tear, age, or neglect is often not covered.
Understand your deductible. In Florida, named-storm deductibles apply during hurricanes and tropical storms. These are usually higher than standard deductibles. You’ll also want to check your coverage limits and whether you have replacement cost or actual cash value coverage. These details make a big difference in what your insurer will pay.
As soon as it’s safe, take photos and video of all damage. Get wide shots and close-ups. Include everything: shingles, gutters, windows, attic, and interior ceiling stains.
Make a list of damaged items and note the date and time of the storm. Keep receipts for any emergency repairs you make. This documentation helps support your claim and provides a clear timeline of what happened.
Look for missing shingles, dents from hail, curled edges, or punctures from debris. Wind damage might not be easy to spot from the ground, especially in places like Orlando, Kissimmee, or Sanford. If you’re unsure, call a local roofing expert.
At Gravity Roofing, we inspect roofs across Central Florida. We know what insurance adjusters look for and can help point out damage you might miss. A professional inspection gives you the kind of detailed report that strengthens your claim.
Call your insurance company as soon as possible. Use their online system or phone support to start the process. Be ready with the date of the storm, your photos, and a quick summary of the damage.
Ask what documents you’ll need and request a copy of your full policy if you don’t have one. Claims must usually be filed within a specific window, so act quickly to avoid delays.
Bring in a licensed local contractor to inspect your roof and write up an estimate. Getting more than one quote helps, but it’s not required. Choose someone who understands Florida roofs and knows how storm damage plays out in this region.
We’ve worked with homeowners all over Central Florida, offering trusted roof inspections and quotes. Our experience helps keep the process clear and grounded in what’s best for your home.
Most insurance companies will send an adjuster to look at your roof. It’s smart to have your contractor there too. Sometimes things get overlooked or undervalued, especially if the damage isn’t obvious.
If the settlement doesn’t match the real cost of repairs, ask questions and provide more evidence. You can also request a second inspection. Keep everything in writing and stay organized as you go.
Once your claim is approved, work with your contractor to confirm the schedule and scope of repairs. Make sure permits are pulled if needed, and ask questions about materials and timelines.
Stay involved during the repairs and compare the completed work to what your insurance covered. From Winter Park to Maitland and other nearby areas, it’s important to protect yourself by keeping track of the details.
Save every invoice, receipt, and quote related to the repairs. This includes materials, labor, temporary shelter, or any emergency fixes.
Keeping everything in one spot helps if your insurance provider asks for proof later or if you need to file an additional claim. Solid records also help maintain your home’s value.
Understanding roof insurance claims in Florida makes it easier to take action when storm damage hits. By staying informed, documenting clearly, and working with local professionals, you can move through the process with confidence.
Understanding Roof Insurance Claims: A Florida Guide Roof damage is a common issue for homeowners and businesses in Central Florida,...
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