Don't settle for partial coverage. We fight for full.
Most Florida homeowners leave money on the table because they don't understand what their policy actually covers. We handle the documentation, the adjuster meetings, and the negotiation.
Why insurance claims get denied
Insurance companies are not in the business of paying out maximum claims. They use specific tactics to minimize payouts, and most homeowners never realize what happened.
Delayed reporting
Waiting weeks or months to file gives carriers grounds to dispute whether the damage was storm-related.
Insufficient documentation
Without professional photos, drone footage, and technical reports, adjusters often undervalue damage.
Missing the filing window
Most Florida policies require claims within 1-2 years of the storm event. Some are as short as 6 months.
Pre-existing condition disputes
Carriers claim damage existed before the storm. Licensed inspection reports prove otherwise.
Did you know?
- Insurance adjusters inspect 5-10 properties per day. They miss details.
- Most initial estimates cover only visible damage, not underlying issues.
- Florida law entitles you to a full replacement when damage exceeds 25% of the roof.
- Carriers must pay for code upgrades your old roof didn't meet.
- You have the right to choose your contractor, not accept the carrier's preferred vendor.
The bottom line: Having a licensed roofing professional on your side during the claims process typically increases your payout by 30-50%.
How we help you maximize coverage
We don't just replace roofs. We replace the stress and confusion of dealing with insurance companies.
Complete damage documentation
Licensed inspectors photograph, measure, and document every compromised area with insurance-ready reports.
Drone aerial surveys
High-resolution drone footage reveals damage impossible to see from the ground or a ladder.
Adjuster meeting attendance
We meet your insurance adjuster on-site to point out every area of concern and answer technical questions.
Supplement negotiation
When the initial estimate is too low, we file supplements with supporting evidence to secure full coverage.
Code compliance documentation
We document Florida building code requirements your carrier must cover, including underlayment and fastening upgrades.
Ongoing communication
We handle back-and-forth with your carrier so you don't have to chase adjusters or decipher claim jargon.
Your claim, step by step
We guide you through every stage of the insurance claim process, from initial inspection to final approval.
Free Roof Inspection
We inspect your roof, document all damage, and determine if you have a viable insurance claim.
File Your Claim
You call your insurance company to open a claim. We provide the exact language and details to use.
Adjuster Meeting
We meet the adjuster at your property, walk the roof together, and ensure nothing is overlooked.
Estimate Review
We compare the adjuster's estimate against actual repair costs and negotiate supplements where needed.
Approval & Scheduling
Once approved, we schedule your project and handle all permits, materials, and installation.
Final Documentation
We provide completion photos, invoices, and warranties to close your claim properly.
Insurance claim FAQs
Will my insurance rates go up if I file a claim?
Filing a storm damage claim does not automatically mean your premium will increase. However, insurance companies may consider several factors when renewing a policy, including claim history, changes in property risk, and broader market adjustments. Following major hurricanes, it is common for premiums to increase regionally for many homeowners, regardless of whether they filed a claim.
How long do I have to file a claim?
In Florida, many current policies require property damage to be reported within one year of the loss event. Because deadlines may vary depending on the policy and the date of loss, we recommend reporting any damage as soon as possible.
What if my claim was already denied?
A denied claim is not always the end of the process. Depending on the circumstances, it may be possible to submit additional documentation, request a reinspection, or provide supplemental evidence to support the claim. Every situation is different, so we recommend carefully reviewing the insurer's decision and consulting qualified professionals to evaluate the available options.
Do I have to use my insurance company's preferred contractor?
No. Florida law guarantees your right to choose your own contractor. Insurance-preferred vendors often prioritize speed over quality. You choose who protects your home.
What if the adjuster's estimate is too low?
This is extremely common. Initial estimates often miss code-required upgrades, hidden decking damage, and proper underlayment. We prepare a detailed supplement with evidence to get you full coverage.
Don't wait for the next storm
Protect your home before small roofing issues become costly repairs. Free inspection. Transparent quote. No pressure.