Big A Roofing Inc

Florida’s unique climate makes roofing insurance claims a common necessity for homeowners after storms or hurricanes. Whether it’s wind damage, fallen debris, or water intrusion, filing a roofing insurance claim promptly and correctly is essential to protect your property. This Florida-specific guide will walk you through the process step-by-step while highlighting the state’s unique regulations and requirements.

For additional tips on safeguarding your roof from Florida’s harsh weather, check out our Florida Roofing Services page.

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Why Roofing Insurance Claims Are Crucial in Florida

Frequent hurricanes, tropical storms, and high humidity in Florida make roofs particularly vulnerable to damage. Filing a roofing insurance claim after storm damage can help homeowners restore their roofs promptly and avoid further structural issues. Florida law includes specific provisions that impact the claims process, such as the 25% roof replacement rule, making it crucial for homeowners to stay informed.

Need more advice on protecting your roof during Florida’s hurricane season? Visit our blog post on Hurricane Preparation for Roofs.

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Steps to File a Roofing Insurance Claim in Florida

1. Inspect Your Roof for Storm Damage

After a storm, carefully assess your roof for damage. In Florida, popular roofing materials like tile, metal, and shingles can sustain specific types of harm, including:

• Missing or broken tiles
• Cracked or warped shingles
• Dented or loose metal panels
• Water leaks caused by wind-driven rain

If you suspect extensive damage or your roof is unsafe to inspect, hire a licensed roofing contractor. Learn more about our professional inspections and repair services on our Florida Roofing Services page.

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2. Document the Damage Thoroughly

Documentation is critical for Florida insurance claims. Here’s how to do it right:

• Take clear photos of damaged areas (interior and exterior).
• Save timestamps and weather reports to verify the storm’s impact.
• Create a written list of damage to include in your claim.

Florida homeowners can visit the Florida Department of Financial Services website for additional tips on documenting property damage.

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3. Review Your Homeowner’s Insurance Policy

Florida insurance policies often include provisions like windstorm deductibles or hurricane damage clauses. Be sure to check:

• Deductibles specific to wind or hurricane damage
• Exclusions for pre-existing conditions
• Deadlines for filing claims

If you’re unsure about any part of your policy, contact your insurance agent or consult the Florida Department of Financial Services for assistance.

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4. Notify Your Insurance Provider Promptly

Under Florida law, homeowners must notify their insurance company of any property damage within a specific time frame—usually within 30 days of the storm. Provide your insurer with:

• Photos/videos of damage
• A description of the storm’s impact
• Receipts for emergency repairs

The Florida Building Code outlines additional guidelines for roof repair requirements, which may apply during your claim process.

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5. Hire a Licensed Roofing Contractor in Florida

Florida law requires homeowners to hire licensed contractors for roofing work. A professional contractor can:

• Identify hidden or subtle damage often overlooked by adjusters
• Provide a detailed estimate to strengthen your claim
• Assist with meeting Florida-specific building code requirements

Visit our Florida Roofing Services page to learn how Big A Roofing can support your insurance claim process.

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6. Understand Florida’s Assignment of Benefits (AOB) Laws

Assignment of Benefits (AOB) agreements are common in Florida, allowing contractors to handle claims on your behalf. While this can simplify the process, it’s important to review AOB documents carefully to avoid fraud or disputes. Learn more about AOB laws and your rights at the Florida Department of Financial Services.

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7. Make Temporary Repairs

To comply with Florida insurance policies, you must take steps to prevent further damage after a storm. Use tarps, plywood, or waterproof materials to protect your roof. Keep receipts and photos of all temporary repairs to include in your claim.

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8. Work with the Insurance Adjuster

When the adjuster visits your property, walk them through the damage and provide your documentation. Having your roofing contractor present can ensure a thorough evaluation and compliance with Florida’s 25% roof replacement rule, which requires roofs with significant damage to meet current building codes during repairs.

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9. Know Your Rights if the Claim Is Denied

If your claim is denied, Florida law allows you to:

• Request a reinspection
• Hire a public adjuster to advocate for your claim
• File a complaint with the Florida Department of Financial Services if you suspect unfair practices

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Common Roofing Claim Challenges in Florida

Windstorm Deductibles

In Florida, most policies include a separate deductible for hurricane or windstorm damage. Be aware of this cost before repairs begin.

25% Roof Replacement Rule

Florida’s 25% rule requires that if more than 25% of your roof needs repair, the entire roof must be updated to current code standards. This rule often increases repair costs but ensures long-term safety and compliance.

Unlicensed Contractors

Avoid scams by verifying contractor credentials through the Florida Department of Business and Professional Regulation (DBPR).

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Frequently Asked Questions

Does homeowners insurance cover hurricane damage in Florida?
Yes, most policies cover hurricane damage, but they typically include a windstorm deductible. Flood damage requires a separate flood insurance policy.

What is the 25% Rule for Florida roofs?
If more than 25% of your roof is damaged, Florida building codes require the entire roof to be brought up to current standards during repairs.

How long do I have to file a roofing insurance claim in Florida?
Florida law requires claims to be filed within two years of the storm date.

Can I choose my own roofing contractor in Florida?
Yes. You’re not obligated to use the contractor recommended by your insurance company, but the contractor must be licensed in Florida.

What is an Assignment of Benefits (AOB)?
An AOB is an agreement that allows contractors to handle your insurance claim. While convenient, Florida has strict regulations to prevent abuse, so review the document carefully.

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Conclusion

Filing a roofing insurance claim after a storm in Florida can be a smooth process if you understand your rights, document damage thoroughly, and work with trusted professionals. For expert help, Big A Roofing offers comprehensive services, including inspections, repairs, and support for insurance claims. Visit our Florida Roofing Services page for more details.

For additional information on property damage claims and homeowner rights, explore resources at the Florida Department of Financial Services and review the Florida Building Code.