Storm damage & insurance claims
We do the roofing and the documentation. You keep control of your claim. Here is the whole arrangement in two lists, including the one most roofers will not write down.
After a Florida storm, the roofer at your door is often the biggest risk on the property.
Every hurricane season, crews sweep through damaged neighborhoods promising to "handle everything with insurance," get claims approved, and make deductibles disappear. Some of that is a licensing violation. Some of it, like waiving a deductible, is a crime in Florida. All of it takes control of your claim out of your hands and attaches your name to whatever gets filed.
So we drew our line where Florida law draws it, and we put it in writing below. What a roofing contractor can legitimately do after a storm is valuable: find the damage, prove it existed on a date, define what it costs to fix, and stop the water in the meantime. Evidence is usually the difference between a documented claim and an argument. That evidence is our job. Decisions about your policy belong to you and your insurer, and anyone who tells you otherwise is selling something they are not licensed to sell.
We are a roofing contractor, not a public adjuster and not a law firm. Coverage decisions are between you and your insurer.
What we do.
- Inspect the roof after wind, hail, or storm damage, on the roof, not from the sidewalk
- Photograph and date every damaged area, in a file you keep, not one we hold over you
- Write an itemized repair scope your carrier can read line by line
- Be on the roof with your adjuster during the inspection, so nothing gets missed or minimized for lack of a ladder
- Document any hidden damage found mid job, photographed and dated before it is touched
- Emergency tarping, properly fastened, so the water stops today instead of after the paperwork
What we do not do.
- We do not negotiate your claim. Negotiating with your insurer on your behalf requires a public adjuster licence, which we do not hold and do not pretend to
- We do not tell you what your policy pays. We have not read your policy, and neither has any roofer making that promise on your doorstep
- We do not touch your deductible. No waiving, absorbing, or crediting it back. In Florida that is a crime, for the contractor and potentially for the homeowner who accepts it
- We do not act as public adjusters or attorneys, and we will tell you plainly when a question belongs to one of them instead of to us
A roofer willing to put that second list in writing is the roofer whose first list you can trust. When someone offers to "take care of the deductible," you now know exactly what you are being invited into.
How a storm claim actually unfolds.
Every claim is its own story, but the shape is consistent. Here is where we fit, start to finish.
Stop the water
If the roof is open, tarping comes before everything else, including paperwork. A dry house first. Keep any receipts; temporary protection is part of the story your claim tells.
Inspect and document
We get on the roof, photograph and date every damaged area, and give you the file with a written, itemized scope of the repairs. This is the evidence everything downstream rests on.
You file the claim
You, not us, report the damage to your insurer. It is your policy and your claim. Our documentation goes with it, so the claim starts specific instead of vague.
The adjuster inspects, we can be there
Your insurer sends an adjuster to see the damage. Tell us the date and we will be on the roof with them, pointing at what we photographed, answering roofing questions with evidence. What we never do is negotiate; we make sure nothing gets overlooked.
Your insurer decides, then we do the roof
Coverage is your insurer's call and the decision arrives from them, not from us. Once you know where you stand, we do the work exactly as scoped, whether that is a repair or a full replacement, and anything hidden that turns up mid job gets photographed and documented the same way as everything else.
Claim questions Florida homeowners ask us.
Should I call you or my insurance company first?
Does filing a claim mean my roof gets paid for?
A door knocker offered to cover my deductible. What is the catch?
What if the storm damage turns out to be minor?
Storm damage? Get it documented before it gets debated.
One call books the inspection. You get dated photos, a written scope, and a roofer who will stand on the roof with your adjuster, across our service areas in Florida and Georgia.
Monday to Friday, 8am to 5pm. Emergency roof repair outside those hours: call the same number.