What we fix · Insurance Claim Support
Roof Damage and Insurance Claims
A roof claim is decided on documentation and on whether the damage is a covered event. Neither of those is about how upset you are, and both are largely determined in the first week after the loss.
Photographs and a written scope. If the honest answer is that it can wait another season, you will get that answer.
67
Florida counties we are licensed to build in
HVHZ
Miami-Dade and Broward product approval, done properly
GC
A general contractor, so the structure below is our problem too
25%
The code rule that decides repair vs. replace
The problem
Why this goes wrong
The most expensive mistake is filing a claim you should not have filed. A denied claim can still appear on your loss history, and Florida carriers have become notably less forgiving about roof age and claim frequency. If the damage is below the deductible, or is wear and tear rather than a storm event, filing costs you and gains nothing.
Recognise it
What it looks like
Drawn rather than photographed, so each one shows the mechanism instead of one particular roof.
Document before you repair
Photographs of the damage, dated, before anything is covered. This is what a claim is actually decided on.
Wear is not a covered event
Carriers distinguish sudden storm damage from age. An honest assessment of which you have saves a pointless claim.
From the ground
Signs to look for
- A named storm or a documented wind event, followed by new damage.
- Damage clearly above your deductible, which for wind is often a percentage rather than a flat sum.
- Sudden, identifiable damage rather than gradual deterioration.
- A carrier requesting a contractor report or a condition assessment.
- A denial you believe was based on an incomplete inspection.
Scope
What we actually do
- 01A frank conversation about whether to file at all, before you call the carrier.
- 02Dated photographic documentation, taken before repairs cover anything.
- 03Damage described in the terms an adjuster works with.
- 04Emergency dry-in documented separately, since it is usually covered.
- 05Attendance at the adjuster inspection where that is useful.
- 06A scope of repair that matches the damage, not one inflated to fit a claim.
Worth knowing
We are contractors, not public adjusters, and we do not represent you to your insurer — that is a licensed role in Florida and it is not ours. What we provide is an accurate, well-documented scope and an honest opinion. If your claim genuinely needs an advocate, a licensed public adjuster or an attorney is the right call and we will say so.
FAQ
Common questions
- How long do I have to file?
- Under current Florida law, one year from the date of loss for a new or reopened claim, and eighteen months for a supplemental claim. These were shortened in 2022, so older guidance is wrong.
- Are you a public adjuster?
- No. That is a licensed role in Florida and we do not hold it. We provide documentation and a scope; we do not negotiate your claim for you.
- What is an assignment of benefits?
- It transfers your claim rights to a contractor. Florida law around these has changed substantially. Read anything you are asked to sign, and be very cautious about signing one on a doorstep.
- Will filing raise my premium?
- It can, and a denied claim can still affect your record. That is exactly why we would rather talk it through before you file.
Areas served
Where we work
HVHZ
Fort Lauderdale
Our home city, and a genuine mix: barrel tile on the mainland, flat and low-slope on the mid-century houses near Victoria Park, and metal appearing steadily on the newer waterfront builds. Broward is HVHZ, so every product on your roof needs a Miami-Dade Notice of Acceptance.
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HVHZ
Wilton Manors
Compact lots and a large stock of 1950s and 1960s single-storey houses, which in practice means low-slope and shallow-pitch roofs rather than tile. Those roofs rely on membrane and flashing detail, so the failures here look different from the tile failures a mile east.
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HVHZ
Oakland Park
A lot of housing built either side of 1970, now reaching the point where an original underlayment has certainly been replaced once and may be due again. HVHZ rules apply, and Oakland Park permitting is generally straightforward compared with the barrier-island municipalities.
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HVHZ
Pompano Beach
Two different roofing markets in one city: older single-family inland, and a wave of oceanfront towers built in the last decade. The beachfront work is almost entirely low-slope with heavy salt exposure, which shortens the life of fasteners and terminations well before the membrane.
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HVHZ
Lighthouse Point
Canal-front houses with long-tenured owners, which is exactly the profile where a tile roof has looked fine for twenty-five years while the underlayment quietly reached the end of its life. Salt air on the canals is hard on exposed fasteners and metal trim.
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HVHZ
Deerfield Beach
The northern edge of Broward, and the last city before the HVHZ boundary — cross into Palm Beach County a mile north and the product approval rules change entirely. Large stock of 1970s and 1980s condominium with low-slope roofs held in common by the association.
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Next step
Find out what is actually wrong with it.
An inspection, photographs of what we found, and a written scope. If the honest answer is that it can wait another season, that is the answer you will get.