Can you talk to my insurance company for me?

No. Florida law doesn't allow a roofing contractor to interpret your policy, give advice about your coverage or adjust a claim unless they're a licensed public adjuster. We give you the documents, and you deal with your insurer directly.

Can you waive my deductible?

No. Florida law bars contractors from waiving or covering a deductible, and from offering gifts or rebates for an inspection or a claim. If a contractor offers to, treat it as a red flag.

Can I sign my insurance benefits over to you?

Not on most current policies. For homeowners policies issued on or after January 1, 2023, Florida law doesn't allow post-loss insurance benefits to be assigned to a contractor. You stay the one making the claim.

How long does the insurer have to respond?

Florida law sets deadlines for insurers on residential claims, including acknowledging the claim and paying or denying it within 60 days in most cases, with exceptions. Your insurer can tell you where your claim stands.

Roof Insurance Claim Documentation in Orlando

A photo report, written findings and an itemized repair estimate to support your roof claim. Your insurer decides the claim.

Roof insurance claim documentation in Orlando is what we provide when a storm or another sudden event has damaged your roof and you plan to file a claim. A clear, honest record helps your insurer see what happened. We inspect, photograph and price the damage. Your insurer decides the claim, and you stay in charge of it from start to finish.

What we can and can’t do

Florida has strict rules for contractors who work on roofs tied to insurance claims, and we follow them. Here is what that means for you.

We can:

Inspect your roof and attic and record the damage with dated photos
Write a report that describes what we found, where and how much
Give you an itemized estimate for the repair or replacement
Be on site when your insurer’s adjuster inspects, to point out what we found if you ask us to
Do the work once you’ve decided how to proceed

We can’t:

Read or interpret your policy, or tell you what it covers
Negotiate or adjust the claim on your behalf
Waive, cover or rebate your deductible
Offer gifts, cash or referral payments for a claim
Take over your benefits by assignment on a current policy

If you want someone to represent you in a claim, that’s the job of a licensed public adjuster or an attorney, not a roofer.

The photo report

Our report is built so an adjuster can follow it without being on the roof. It includes:

An overview of the house and each slope
Close-up photos of every sign of damage, each paired with a wider photo showing where it is
Notes on the type of damage, such as lifted or missing shingles, cracked tiles, a punctured deck or bent flashing
What we found in the attic, if we could get in
Any temporary cover we installed to stop more water getting in

We also note the parts of the roof that are in good shape. A report that shows only damage is less believable than one that shows the whole roof.

The itemized estimate

Florida’s rules for contractors working on insurance-related roof jobs call for an itemized, good-faith estimate before a repair agreement is signed. Ours lists each piece of the work separately: tear-off, decking per sheet, underlayment, flashing, vents and boots, the roof covering, the permit and cleanup. Quantities are listed so anyone comparing estimates can see whether they cover the same work. Our guide on how to read a roof estimate explains each line.

Deadlines worth knowing

Under Florida law, you have one year from the date of loss to give your insurer notice of a property claim, and 18 months for a supplemental claim. Insurers also have deadlines, including acknowledging a residential claim and, in most cases, paying or denying it within 60 days, with some exceptions. The sooner the damage is documented, the easier it is to connect it to the storm that caused it.

Roof age and your policy

If your insurer has raised the age of your roof, Florida law says an insurer can’t refuse to write or renew a policy only because the roof is less than 15 years old. For an older roof, you can arrange an inspection, and an insurer can’t refuse coverage solely for age if the inspection shows at least five years of useful life left. We can inspect the roof and give you a written report on its condition.

What happens next

Once your claim is decided, it’s your choice who does the work. If it’s us, we file the permit, schedule the job and book the inspections, including the dry-in inspection the City of Orlando requires on every reroof. If your claim is denied or the amount doesn’t cover what you hoped, we’ll talk through the options, such as a smaller repair now and a replacement later.

Most of our claim work starts with a storm damage inspection. We document roof claims for homeowners in Orlando, Winter Park and Kissimmee.