Florida Roof Insurance Claims Guide for Homeowners

Navigating Roof Insurance Claims After Storm Damage in Florida

Last updated: September 9th, 2025

Estimated reading time: 11 minutes

 

Key Takeaways

• Document immediately: Take extensive photos/videos of all roof and interior damage before any temporary repairs.
• Act fast with your insurer: File promptly and keep a detailed communication log with claim numbers and contacts.
• Use licensed pros: Hire a reputable, local roofer for emergency tarping and a detailed estimate; have them present with the adjuster.
• Know your policy: Understand deductibles, ACV vs. RCV, and coverage for code upgrades and matching materials.
• Avoid AOB and scams: Never sign an Assignment of Benefits (AOB) and beware of unsolicited, door-to-door offers.

 

Table of Contents

• TL;DR: Your Florida Storm Claim Checklist
• What You Need to Know First
• How the Florida Roof Claim Process Works: A Step-by-Step Guide
  • Step 1: Prioritize Safety
  • Step 2: Document the Damage Thoroughly
  • Step 3: Mitigate Further Damage (Tarping)
  • Step 4: File Your Insurance Claim
  • Step 5: Meet the Insurance Adjuster
  • Step 6: Get a Licensed Contractor’s Estimate
• Understanding Costs, Timelines & Warranties
• Florida-Specific Roofing Considerations
• Common Mistakes to Avoid After Storm Damage
• Your Guide to Insurance and Storm Damage Claims
  • Verify Your Insurance Coverage Checklist
• Why Choose ShingleMasters for Your Storm Restoration
• Frequently Asked Questions
• Glossary of Roofing Terms
• Get Your Free Storm Damage Assessment
• Sources

 

TL;DR: Your Florida Storm Claim Checklist

Successfully navigating a Florida roof insurance claim requires immediate documentation of all damage, prompt contact with your insurer, and partnering with a licensed, reputable roofing contractor to get a fair and accurate assessment. Avoid signing over your insurance benefits and be wary of unsolicited offers.

• Safety First: After the storm, check for immediate hazards like downed power lines before inspecting your roof.
• Document Everything: Take extensive photos and videos of the roof damage and any interior leaks before making temporary repairs.
• Prevent Further Damage: Have a licensed roofer apply temporary tarps to prevent water intrusion. Keep receipts for these costs, as they are often reimbursable.
• File Your Claim Promptly: Contact your insurance company as soon as possible. Use our sample script and email below to get started.
• Get a Professional Estimate: Work with a trusted, local roofing contractor like ShingleMasters to get a detailed estimate. Have them present during the adjuster’s inspection.
• Understand Your Policy: Know your deductible, coverage limits, and any specific clauses related to code upgrades or matching materials.
• Avoid Scams: Never sign an Assignment of Benefits (AOB) contract that gives a contractor control over your claim. Be cautious of unsolicited door-to-door offers.

What You Need to Know First

To navigate a roof insurance claim in Florida, you must meticulously document all storm damage, file your claim quickly, and secure a detailed estimate from a licensed roofing contractor. This ensures you have the evidence and professional support needed to get your roof repaired correctly and your claim approved fairly.

Homeowner’s Immediate Checklist

• [ ] Review your insurance policy: Locate your policy documents and identify your hurricane or windstorm deductible.
• [ ] Take photos and videos: Document damage from multiple angles before anyone goes on the roof.
• [ ] Contact your insurer: Use their official claims hotline or online portal to start the process. Note your claim number.
• [ ] Make temporary repairs: Tarp exposed areas to prevent leaks. Save all receipts.
• [ ] Start a communication log: Keep a record of every call and email with your insurer, including dates, times, and who you spoke with.
• [ ] Schedule a professional inspection: Call a certified roofing contractor to assess the damage and provide a written scope of work.
• [ ] Do NOT sign an AOB: Avoid signing any documents that transfer your insurance rights to a third party.

How the Florida Roof Claim Process Works: A Step-by-Step Guide

Follow these steps to manage your claim efficiently and protect your interests.

Step 1: Prioritize Safety

Who: The Homeowner
Duration: 1–2 hours

Your immediate priority after a storm is ensuring your family is safe. Before inspecting any damage, scan the area for hazards like downed power lines, unstable trees, or broken glass. If you suspect structural damage, evacuate the premises and contact emergency services. Do not climb on a wet or potentially unstable roof.

Step 2: Document the Damage Thoroughly

Who: The Homeowner
Duration: 1–3 hours

Comprehensive documentation is the most critical part of your claim. Using your smartphone or a camera, capture extensive photos and videos of the damage.

• From the Ground: Take wide shots of each side of your house to show the overall condition. Then, zoom in on any visible signs of damage, such as missing shingles, dents in gutters, or damage to vents.
• Interior Damage: Photograph any water stains on ceilings or walls, active leaks, or damage to personal property caused by water intrusion.
• Personal Property: Document any damage to outdoor furniture, fencing, or vehicles.

This evidence creates a baseline “before” picture prior to any temporary repairs.

Step 3: Mitigate Further Damage (Tarping)

Who: Licensed Roofing Contractor
Duration: 2–4 hours

Your insurance policy requires you to take reasonable steps to prevent further damage to your property. This typically involves hiring a professional roofing company to install a tarp over the damaged sections of your roof. This service is a necessary emergency repair, and the cost is usually reimbursable under your policy, so keep detailed invoices.

Step 4: File Your Insurance Claim

Who: The Homeowner
Duration: 30–60 minutes

Contact your insurance provider as soon as possible. You can usually file a claim online, through a mobile app, or by calling their claims department. Have your policy number handy.

Sample Phone Script:

“Hello, my name is [Your Name] and I need to file a new claim. My policy number is [Your Policy Number]. My property at [Your Address] sustained significant roof damage from the recent storm on [Date of Storm]. I have taken photos and have already contacted a roofer for emergency tarping to prevent further leaks. Can you please provide me with a claim number and outline the next steps?”

Sample Email Template:

Subject: New Property Claim – [Your Policy Number] – [Your Last Name]

Body:

Dear [Insurance Company Name] Claims Department,

I am writing to file a claim for damage to my property located at [Your Full Address].

• Policy Number: [Your Policy Number]
• Date of Loss: [Date of Storm]
• Cause of Damage: Wind and hail from [Name of Storm, e.g., Hurricane Ian].
• Description of Damage: The storm has caused significant damage to my roof, including missing and damaged shingles. There is also evidence of water intrusion in our [e.g., living room ceiling].

I have taken initial photographs to document the damage and have contacted a licensed contractor to perform emergency tarping to mitigate further loss, as required by my policy.

Please assign a claim number and have an adjuster contact me at your earliest convenience to schedule an inspection. I can be reached at [Your Phone Number] or via this email address.

Thank you,

[Your Full Name]

Step 5: Meet the Insurance Adjuster

Who: Homeowner, Insurance Adjuster, and Your Roofing Contractor
Duration: 1–2 hours for the inspection

Your insurer will assign a claims adjuster to inspect the damage. We strongly recommend having a representative from ShingleMasters present during this visit. Our trained professionals can point out damage the adjuster might overlook and ensure the scope of work is accurate and aligns with Florida building codes. This simple step can prevent significant delays and disagreements later.

Step 6: Get a Licensed Contractor’s Estimate

Who: ShingleMasters Roofing
Duration: 2–3 days for estimate delivery

The adjuster will provide a report, often called a “scope of loss,” detailing what they believe needs to be repaired or replaced and its estimated cost. Your contractor will create their own, more detailed estimate based on a hands-on inspection, local material costs, and labor requirements. If there are discrepancies, your contractor can submit a supplement to the insurance company with evidence to justify any necessary additions to the scope of work.

Understanding Costs, Timelines & Warranties

The cost to replace a roof in Florida varies based on materials, roof complexity, and local building codes. Timelines can be affected by material availability and contractor backlogs, especially after a major hurricane.

A complete roof replacement project typically takes 2–5 days for an average-sized home, from material delivery to final cleanup.

Material vs. Workmanship Warranties

It’s crucial to understand the two types of warranties that protect your investment:

• Material Warranty: Provided by the shingle manufacturer, this covers defects in the roofing materials themselves. A “lifetime” warranty typically means for as long as you own the home and is often prorated after an initial period.
• Workmanship Warranty: Provided by your contractor (ShingleMasters), this covers defects in the installation. This is a critical indicator of a contractor’s quality and commitment.

Common Roofing Material Comparison

*Costs are estimates for planning purposes only. Source: Industry data and manufacturer specifications like those from GAF and Owens Corning.

Florida-Specific Roofing Considerations

Florida’s climate and location demand some of the strictest building codes in the nation, designed to protect homes from hurricane-force winds.

• Florida Building Code (FBC): The FBC governs all construction in the state. A key provision, often called the “25% Rule,” states that if more than 25% of a roofing system is damaged, the entire roof section may need to be replaced to meet current code. Your insurance policy may or may not cover this; check for “Ordinance or Law” coverage.
• High-Velocity Hurricane Zones (HVHZ): Miami-Dade and Broward counties have enhanced requirements for roof assembly and installation due to their high risk. This includes specific standards for roof deck attachment, underlayment, and fastener patterns.
• Permitting and Inspections: A roof replacement requires a permit from your local municipal building department. The installation will undergo inspections (e.g., “in-progress” and “final”) to ensure it complies with the FBC. ShingleMasters handles the entire permitting process for you.

You can view the current Florida Building Code on the Florida Department of Business and Professional Regulation’s website.

Common Mistakes to Avoid After Storm Damage

Navigating a claim can be tricky. Here are some critical mistakes Florida homeowners should avoid.

The biggest red flag is a contractor who pressures you to sign an Assignment of Benefits (AOB) form. An AOB transfers your insurance policy rights to the contractor, allowing them to bill the insurer directly without your consent. While this sounds convenient, the Florida Department of Financial Services warns it can lead to inflated claims, litigation, and loss of control for the homeowner.

• Do not sign an AOB. Recent Florida law changes have curbed the worst AOB abuses, but it’s still best to maintain control of your claim.
• Do not accept unsolicited offers. Be wary of door-to-door salespeople who appear immediately after a storm. Stick with local, vetted companies.
• Do not pay in full upfront. A reputable contractor will only ask for a deposit to cover materials. Final payment should only be made after the work is complete and has passed inspection.
• Do not discard damaged materials. Keep a sample of your old shingle for matching purposes if a full replacement is not approved.

Your Guide to Insurance and Storm Damage Claims

Document Damage → Verify Coverage → File Claim → Adjuster Visit → Scope of Loss Review → Supplements (if needed) → Repairs Begin → Final Invoice → Depreciation Release

An important concept is depreciation. Most policies for roof replacements are paid in two parts:

1. Actual Cash Value (ACV): The value of your damaged roof today, considering its age and wear. This is the first check you receive (minus your deductible).
2. Recoverable Depreciation: The remaining amount held back by the insurer. You receive this second check after you provide an invoice proving the work has been completed, bringing the total payout to the full Replacement Cost Value (RCV).

Verify Your Insurance Coverage Checklist

Before the adjuster arrives, review your policy declarations page to understand these key items:

• [ ] Coverage A – Dwelling: This is the part of your policy that covers the structure of your home, including the roof.
• [ ] Deductible: How much you pay out of pocket. Note if you have a separate, higher “hurricane” or “windstorm” deductible.
• [ ] Policy Type (ACV vs. RCV): Ensure you have a Replacement Cost Value (RCV) policy, which pays to fully replace your roof, not just its depreciated value (ACV).
• [ ] Ordinance or Law Coverage: This essential coverage helps pay for the extra costs to bring your roof up to current building codes during repair.
• [ ] Matching Coverage: Some policies may have limitations on paying to replace undamaged items (like siding or shingles on an entire roof slope) to ensure a uniform appearance.

Disclaimer: This information is for educational purposes only and is not legal or insurance advice. Verify all coverage details directly with your insurance carrier.

Why Choose ShingleMasters for Your Storm Restoration

When you’re dealing with storm damage, you need a partner, not just a contractor. ShingleMasters Roofing is a licensed and insured Florida-based company with deep experience in navigating the complexities of insurance claims. We work for you, the homeowner, to ensure your roof is restored to the highest safety and quality standards.

Our process is built on trust and transparency:

• Certified Installers: We are certified by leading manufacturers like GAF and Owens Corning, ensuring your roof is installed correctly and your material warranties are valid.
• Expert Insurance Coordination: We have a dedicated team that understands the insurance process. We provide the detailed documentation and professional estimates needed to support your claim.
• Code Compliance Guaranteed: We are experts in the Florida Building Code and local requirements, ensuring your roof passes all inspections.
• Superior Safety Standards: Our crews adhere to strict safety protocols to protect your property and our team throughout the project.
• Pristine Cleanup: We use advanced equipment like the “Catch-All” system to protect your landscaping and ensure a thorough cleanup, including magnetic sweeps for nails.
• Robust Warranties: We stand behind our work with a comprehensive workmanship warranty, giving you peace of mind long after the storm is gone.

Explore our roof replacement services or contact our Hurricane Support team for immediate assistance.

Frequently Asked Questions

Glossary of Roofing Terms

• Assignment of Benefits (AOB): A legal contract that transfers your insurance claim rights to a third party, such as a contractor.
• Class 4 Impact Rating: The highest rating for roofing materials against hail impact, certified by Underwriters Laboratories (UL).
• Deductible: The amount of money you are responsible for paying on a claim before your insurance coverage begins.
• Depreciation: The decrease in an asset’s value over time due to age and wear. In insurance, this amount is often withheld until repairs are completed.
• Ice & Water Shield: A self-adhering waterproof membrane installed at the most vulnerable parts of a roof (eaves, valleys) to prevent leaks from ice dams or wind-driven rain.
• O&P (Overhead and Profit): A line item in an insurance estimate, typically 10% for overhead and 10% for profit, added to cover a general contractor’s costs of doing business.
• Ridge Vent: An exhaust vent installed along the peak (ridge) of a roof that allows warm, moist air to escape from the attic.
• Underlayment: A layer of water-resistant material installed between the roof deck and the shingles as a secondary barrier against moisture.

Get Your Free Storm Damage Assessment

The aftermath of a storm is stressful enough. Let the experts at ShingleMasters guide you through the insurance process and restore your peace of mind with a safe, secure, and beautiful new roof.

If you only do 3 things…

1. Take Pictures: Before you do anything else, document all visible damage.
2. Call Your Insurer: Get your claim number and start the official process.
3. Schedule a Professional Inspection: Contact ShingleMasters to have an expert on your side, ensuring all damage is found and your claim is scoped correctly from the start.

Sources

• “Navigating the Claims Process” — Florida Department of Financial Services, Division of Consumer Services
• “Assignment of Benefits (AOB)” — Florida Department of Financial Services, Division of Consumer Services
• “2023 Florida Building Code, 8th Edition” — International Code Council
• “Homeowners’ Insurance – A Toolkit for Consumers” (PDF) — Florida Office of Insurance Regulation
• “Impact Resistance Ratings for Roofing” — Underwriters Laboratories (UL)
• “Limited Warranties” — GAF