Roof claims
Roof Leaks
Roof claims hinge on a single question: was the failure caused by a covered peril, or by wear and tear? Documentation of the trigger event determines the outcome.
Florida first-party claim
What's typically covered
- Storm-driven roof failures (wind, hail, debris impact)
- Resulting interior damage from a covered roof failure
- Full roof replacement when partial repair is impractical
- Code-upgrade costs to bring roof to current FBC standard
- Matching of undamaged roof slopes where applicable
What carriers commonly underpay
- Repair authorized when replacement is warranted
- Granule loss attributed to age, not wind
- Interior water damage carved out as separate claim
- Code-upgrade costs ignored
- Underlayment and decking damage not investigated
What we do differently
- Retain roofing engineers and qualified contractors for inspection
- Document wind speeds and storm dates correlating to the loss
- Pull shingle test squares to confirm seal failure
- Build the case for replacement under the matching statute
- Quantify code-upgrade costs separately
Signs of damage to look for
- Interior ceiling staining or bubbling
- Granules accumulating in gutters
- Lifted or missing shingles visible from the ground
- Daylight visible in the attic
- Sagging or soft spots on the roof deck
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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