Roof damage claims in Florida
Roof damage claims in Florida.
Wind, hail, fallen limbs or an old leak that suddenly got worse. We review the roof, the repair scope and the damage underneath it.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.
Free initial review. No obligation. You do not need to climb onto the roof.
Free claim review
What is going on with your property?
Pick the closest one. Documents can wait.
What we look at on a roof claim
- Storm reports and the date of loss
- Roof age, permits and prior repairs
- Repair quantities and materials
- Interior damage: ceilings, insulation, walls
- The insurer’s estimate, line by line
- The written explanation for any denial
What happens after you reach out
Free review
We review and reply within one business day
Tell us the property, what happened and your main question. Photos help but can wait.
Inspection and documentation
If you decide to hire us
We inspect the damage, review the policy and prepare the evidence your insurer needs.
We present and negotiate
You see every offer
We handle the insurance conversations. You decide whether to accept an offer.
What it costs
Initial review. No obligation to hire us.
Florida’s maximum fee on claim payments made during the first year after a Governor-declared state of emergency, for claims from that emergency.
Florida’s maximum for other claims, and for emergency claims after that first year. Reopened or supplemental claims: up to 20% of the new payment.
These caps are set by Florida law for residential and condo unit owner policies, and are a percentage of the claim payment. If you choose representation, our fee and how it is calculated are explained in a written agreement before you sign.
Florida Statutes 626.854(11) and (19)How public adjuster fees work
Good questions
Roof claim questions
You deserve to understand the process before you make a decision.
Does a review guarantee coverage?
No. Coverage and payment depend on the policy, the facts and applicable requirements. The initial review is free; representation is a separate decision.
My roof is old. Can I still claim?
Roof age can affect coverage and how the insurer values the loss. We review the policy language and the documented damage before giving you an answer.
What should I gather first?
The policy, the claim number if you have one, photos, insurer letters, estimates and receipts for temporary repairs.
Do you give legal advice?
No. Public adjusters do not provide legal advice. If your situation needs an attorney, we will tell you.
What we can review
A roof claim needs more than a photograph of a missing shingle. We review documented damage, prior work records, repair recommendations, and the insurer’s estimate to identify the specific points that need attention.
- Storm observations and safe inspection records
- Roof installation, permits, and prior repairs
- Repair quantities, materials, and code questions
- Interior damage and the insurer’s written explanation
For your first conversation
- Note the rooms where you noticed stains or leaks and when you first saw them.
- Gather any existing roof inspection report, installation record, warranty, and recent repair invoice.
- Use photographs you already have or can take from a safe place; you do not need to climb onto the roof for this request.
A clear next step
Start with the property location, what happened, and your main question. We review what is available and discuss whether a document review, inspection, or specialist input makes sense. If you choose representation, the work and fee terms belong in a written agreement.
What to bring
Bring the policy, claim number if you have one, photographs, insurer letters, estimates, and records of temporary work. You can start a conversation without every document. Tell us what is missing rather than guessing.
Does a review guarantee coverage?
No. Coverage and payment depend on the policy, the facts, and applicable requirements. The initial review is free; representation is a separate decision. Public adjusters do not provide legal advice or emergency response.
Understand your next step
The initial review is free. If you choose representation, we explain the fee and how it is calculated in a written agreement before you sign. Coverage and results depend on the policy and the facts.
Claim help in your area
Based in Riverview, serving Florida property owners. These are service areas, not additional offices.
Your next step
Let’s look at your situation.
Start with what you know. We’ll help you work through the rest.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.