After a Florida storm, many Plant City homeowners are left staring at damaged roofs and wondering: "Will my insurance cover this?" The answer is often yes - but only if you follow the right steps and document everything properly. A misstep early in the process can result in a denied claim or a settlement far below what you need.
This guide walks you through exactly what to do, in order.
Step 1: Ensure Your Safety First
After a storm, do not get on your roof yourself. Damaged roofing materials are slippery and structurally compromised. Check for visible damage from the ground - missing shingles, sagging areas, debris on the roof - and document what you can see safely.
If there are active leaks inside your home, place buckets and towels to minimize interior damage. Interior water damage is often covered under the same claim.
Step 2: Call a Licensed Roofing Contractor Before Your Insurer
This is the step most homeowners skip - and it's the most important. A professional roofing contractor can:
- Document all damage with photos and measurements before you call your insurance company
- Provide a damage report that matches what adjusters look for
- Apply emergency tarping to prevent further damage (typically covered by insurance)
- Identify damage that an untrained eye would miss (flashing, underlayment, decking)
Calling your insurer first without documentation puts you at a disadvantage. The adjuster's initial report heavily influences your settlement.
Step 3: Document All Damage Thoroughly
Your claim is only as strong as your documentation. Before any repairs begin, gather:
- Dated photos and videos of all exterior and interior damage
- Photos of the storm damage in context (fallen trees, debris, neighborhood damage)
- Your roofing contractor's written damage assessment
- Weather data for your area on the date of the event (your contractor or public adjuster can help obtain this)
Step 4: File Your Claim Promptly
Florida law requires homeowners to report property damage within a reasonable time. Most insurance policies have a 1-year window to file storm damage claims, but don't wait. File as soon as you have documentation ready - typically within a few days of the damage occurring.
When filing, provide:
- Date of the storm or damage event
- A description of the damage observed
- Your contractor's contact information (your insurer will want to speak with them)
Step 5: Meet the Insurance Adjuster With Your Contractor Present
Your insurance company will send an adjuster to inspect the damage. Request that your roofing contractor be present during this inspection. A knowledgeable contractor can:
- Point out damage the adjuster might overlook
- Explain technical roofing terminology in ways that support your claim
- Dispute underpayment estimates on the spot
Never allow an adjuster to inspect your roof without a contractor advocate present.
Step 6: Review the Settlement Offer Carefully
After the adjuster's inspection, your insurer will issue an Explanation of Benefits (EOB) detailing what they'll pay. Review this carefully with your contractor. Common issues include:
- Low estimates that don't reflect current material costs
- Depreciation deductions that reduce your payout
- Missing line items (flashing, drip edge, disposal)
If the settlement is insufficient, you have the right to dispute it or hire a licensed public adjuster to negotiate on your behalf.
Step 7: Get Your Roof Replaced by a Licensed Contractor
Once your claim is approved, choose a Florida-licensed roofing contractor to complete the work. Ensure they pull the required permits and provide manufacturer documentation for the warranty. Keep all receipts and documentation for your records.
Common Reasons Roof Claims Are Denied in Florida
- Damage attributed to lack of maintenance rather than a storm event
- Filing too late after the damage occurred
- Pre-existing damage not documented before the storm
- Using an unlicensed contractor (voids some policy provisions)
- Missing or incomplete documentation
We Help Plant City Homeowners Navigate Insurance Claims
Roofing Contractor Plant City provides full insurance claims assistance - from initial damage documentation through final installation. We work directly with your insurer, attend the adjuster inspection, and ensure your claim reflects the true cost of restoring your roof. Contact us for a free damage inspection in Plant City and surrounding areas.
