When Florida skies darken and the wind picks up, homeowners across Central Florida start asking the same question: Is my roof okay? We’ve seen how quickly a summer storm, or worse, a hurricane, can shake up life in places like Kissimmee. If your roof’s taken a hit, don’t panic. Let’s talk about how to handle a roof insurance claim the right way, without adding more stress to your plate.
In this friendly, homeowner-first guide, we’ll walk you through everything you need to know, including:
- What’s actually covered in a storm damage claim
- How to spot the signs your roof might be in trouble
- The right way to document damage and how to file roof claim paperwork
- What to do if your claim hits a bump in the road
Need a professional opinion on the condition of your roof? AGU Roofing & Solar offers clear, honest estimates with zero pressure, just expert advice when you need it.
What You Should Know About Roof Insurance Claims in Florida
Let’s start with the basics. When your roof gets damaged in a storm, your first instinct might be to call your insurance. That’s fair, but let’s make sure you know what you’re dealing with first.
In Central Florida, roof damage usually comes from:
- High winds ripping off shingles or lifting edges
- Hail hits that bruise or crack your shingles
- Heavy rain causing leaks or rotting out underlayment
- Falling branches or flying debris, especially in hurricane season
Not all damage is obvious right away. Some signs, like small leaks or missing granules, can take weeks to show up. That’s why we always recommend a professional inspection after major weather events. (We’ll give you the facts in writing, no pressure, no gimmicks.)
One more thing: not every policy covers everything. Florida homes often have windstorm or hurricane deductibles, and older roofs may have limited coverage based on age and condition. Knowing what your policy includes now can save you major headaches later.
5 Things to Know Before You Start a Roof Insurance Claim
Before you call your insurance company, there are a few things to think through. This is your home, and you want to approach the claim process with the right info on your side.
1. What’s The Shape Of Your Roof?
If your roof is 15+ years old or hasn’t been inspected in a while, it could affect what your insurance will pay.
2. Acv Vs Rcv: What Type Of Policy Do You Have?
ACV (Actual Cash Value) pays what your roof is worth today, minus depreciation. RCV (Replacement Cost Value) covers what it costs to install a new one now. Big difference.
3. Do You Understand Your Deductible?
In Florida, storm damage claims often come with separate deductibles for wind or hurricanes. Know what’s coming out of pocket.
4. Have You Gathered Proof?
Photos, timestamps, and receipts matter. A good contractor (like us!) will provide an itemized estimate you can keep for your records.
5. Do You Have A Good-Faith Estimate?
We offer clear, on-the-spot estimates so you know the real numbers, insurance or not.
How to File Roof Claim Paperwork Like a Pro
Here’s the part most folks worry about. Filing the actual roof insurance claim. It’s not as scary as it sounds when you know what to expect.
Step 1: Stay safe and take a look around
Check for visible damage from the ground. Take photos of missing shingles, fallen debris, or anything that looks off. Don’t climb your roof, it’s not worth the risk.
Step 2: Prevent more damage
Use a tarp to cover exposed areas if possible. Most policies expect you to stop additional damage.
Step 3: Get a professional inspection
Have a licensed roofer check your roof. They’ll catch the stuff you might miss and give you a detailed estimate (like we do!) that you can show your insurer.
Step 4: Contact your insurance provider
Report the potential claim. Be honest and detailed. Ask what’s next and follow their process carefully.
Step 5: Meet your adjuster
If your insurance sends an adjuster, be there if you can. Walk them through the damage and share your inspection report.
Step 6: Review your settlement
Read the offer carefully. Make sure it includes everything that needs fixing.
Step 7: Choose a roofing contractor you trust
In Florida, contractors cannot handle your claim or file it for you. That’s the law. But we can help you understand the scope of work and provide a written, transparent estimate.
Why Some Roof Insurance Claims Get Denied
Even if you do everything right, claims sometimes hit roadblocks. Here’s why:
- Your roof was already in bad shape: Insurers won’t pay to fix a roof that was failing before the storm.
- The cause wasn’t “storm damage”: If the damage looks like wear and tear or improper installation, it may not qualify.
- You missed the claim deadline: Policies usually have time limits. Don’t wait to report the issue.
- Your documentation was weak: If you didn’t take photos or get an inspection, it’s harder to prove your case.
If your claim gets denied, ask for clarification in writing and consider getting a second opinion. We’re happy to give you a straight-up assessment to help you figure out what’s next.
How to Protect Your Roof and Prevent the Next Big Hassle
We love Florida, but let’s face it, it’s not easy on roofs. Here’s how to stay one step ahead:
- Schedule yearly roof checkups (especially before hurricane season)
- Clear your gutters and trim trees around your roofline
- Replace damaged or loose shingles early
- Ask about impact-resistant roofing materials if you’re upgrading
- Keep detailed records of all repairs, inspections, and materials used
What to Do If You’re Dealing With Storm Damage
If a recent storm left you wondering about your roof, here’s a quick checklist to help you stay organized:
- Take photos of visible damage
- Cover any open areas to prevent more issues
- Call a licensed roofer for an inspection
- Ask for a written, itemized estimate
- Contact your insurance company if you plan to file
- Be there when the adjuster comes (if one is assigned)
- Review all insurance paperwork carefully before signing
And remember: AGU Roofing & Solar is always here with honest answers and roof-first service. We’ll help you understand what’s really going on, so you can move forward with confidence.
Roof Insurance Claim FAQs for Florida Homeowners
What Is A Roof Insurance Claim, And When Should I File One?
A roof insurance claim is a formal request to your insurer for coverage after storm damage. File one if the cost of repair is likely more than your deductible.
What Does My Florida Homeowner’s Insurance Usually Cover?
Most policies cover damage caused by storms, wind, hail, or falling trees. Check for hurricane deductibles and roof age limits.
Can My Roofer Help Me With My Claim?
In Florida, no. Roofers cannot negotiate, file, or handle claims. But we can give you documentation to support your case.
What If My Insurance Offer Seems Too Low?
Ask questions, request a second opinion, or appeal. We can provide a detailed estimate for your review.
How Long Does The Roof Claim Process Usually Take?
It varies, but expect anywhere from a few days to a few weeks. The better your documentation, the faster it goes.
Central Florida’s Storm Damage Experts Are Here When You Need Us
You don’t have to be a claims expert to make the right call after a storm; you just need the right people in your corner.
AGU Roofing & Solar is local, licensed, and here for you. We’ve earned our excellent reputation one roof at a time by showing up when it matters most. From Kissimmee to Minneola, we’ve seen every kind of roof issue, and we treat every one like it’s protecting our own family.
Schedule your inspection now and let’s get your roof back to safe, strong, and ready-for-anything.
