How to File a Roof Insurance Claim in Florida: A Step-by-Step Guide

Filing a roof insurance claim in Florida can feel overwhelming, especially after severe weather like hurricanes, hailstorms, or heavy winds. Many homeowners are unsure where to begin, what documentation they need, or how to work with their insurance company to get the claim approved.

At Honest Roofing FL, we’ve guided countless Florida homeowners through this process. As trusted Florida roofers, we know that the right steps can mean the difference between a denied claim and the coverage you deserve. This guide breaks down everything you need to know to successfully file a roof insurance claim in Florida.

Why Roof Insurance Claims Are Common in Florida

Florida’s climate puts roofs under constant stress. Between intense UV exposure, tropical storms, and hurricane-force winds, it’s no surprise that roof damage is one of the top reasons homeowners file insurance claims in the state.

• According to the Insurance Information Institute, wind and hail account for the largest percentage of property damage claims nationwide.

• Florida’s building codes are among the strictest in the U.S., but even compliant roofs can sustain damage under extreme conditions.

If you’ve experienced roof damage, it’s essential to act quickly. Insurance companies often have strict deadlines for reporting claims.

Step 1: Assess the Damage Safely

After a storm or suspected roof issue, the first step is to determine the extent of the damage. However, safety should always come first.

• Avoid climbing onto the roof yourself, as damaged shingles or wet surfaces can be dangerous.

• Instead, look for visible signs from the ground such as missing shingles, sagging areas, or debris.

• Check your attic or ceilings for leaks, water stains, or mold.

Then, contact a professional roofing company in Florida like Honest Roofing FL for a thorough inspection. Experienced roofers know what to look for and can provide a detailed report that insurance adjusters respect.

Step 2: Review Your Insurance Policy

Before filing your claim, familiarize yourself with your homeowner’s insurance policy. Key things to look for include:

• Coverage limits – Does your policy cover full replacement cost or actual cash value (depreciated value)?

• Exclusions – Some policies exclude certain causes of damage, such as neglect or pre-existing issues.

• Deductibles – Florida homeowners often have higher hurricane deductibles that may apply.

For official legal details, see Florida Statutes Chapter 627.701, which mandates how hurricane deductibles must be disclosed in policies.

For a quick overview of insurance requirements, see our guide on Florida Roof Insurance Requirements.

Step 3: Document the Damage

Insurance companies require proof of damage to process your claim. The more detailed your documentation, the stronger your case will be.

Tips for documenting roof damage:

• Take clear, dated photos of exterior and interior damage.

• Capture wide shots of the roof as well as close-ups of specific issues.

• Keep receipts for any temporary repairs or emergency tarping.

At Honest Roofing FL, we provide homeowners with digital photo reports after inspections to simplify the claims process.

Step 4: File Your Claim Promptly

Florida law requires homeowners to file claims within a certain timeframe, typically within two years of the date of loss. However, the sooner you file, the better.

Steps to file:

1. Contact your insurance provider and notify them of the damage.

2. Provide all documentation, including inspection reports and photos.

3. Request a claim number and keep detailed records of every interaction.

Step 5: Schedule the Insurance Adjuster Inspection

Once your claim is filed, your insurance company will send an adjuster to assess the damage. This inspection is critical in determining whether your claim will be approved and for how much.

Why you should have a roofer present:

• Adjusters may miss or undervalue damage.

• A licensed Florida roofer near you, such as Honest Roofing FL, can advocate on your behalf.

• We ensure that all legitimate damage is documented for proper compensation.

Step 6: Perform Temporary Repairs

If your roof is leaking or compromised, your insurance company may require you to prevent further damage until permanent repairs are approved.

Temporary repair examples include:

• Tarping damaged areas

• Boarding broken skylights or vents

• Clearing debris from gutters

Keep all receipts—insurance typically reimburses these expenses.

Step 7: Understand the Settlement Offer

After the adjuster’s inspection, the insurance company will issue a settlement offer. This includes:

• Approved scope of work (what repairs or replacements are covered)

• Payout amount (minus your deductible)

• Depreciation holdback (some insurers withhold a portion until repairs are complete)

Review this carefully. If the offer seems too low, consult with your roofer to provide supplemental evidence.

Step 8: Complete Repairs with a Trusted Florida Roofer

Once your claim is approved, it’s time to get the work done. Choosing the right roofing company is critical.

Why Florida homeowners trust Honest Roofing FL:

• Licensed, insured, and experienced with insurance claims.

• Experts in Hurricane-Resistant Roofing Materials.

• Skilled in Wind Mitigation, which can even lower insurance premiums.

• Honest assessments and transparent pricing with no hidden costs.

We work directly with your insurance company to ensure you receive the coverage you’re entitled to.

Common Mistakes Homeowners Make When Filing Roof Insurance Claims

• Delaying the claim – Waiting too long can lead to denial.

• Failing to document damage – Lack of evidence weakens your case.

• Accepting the first settlement without review – Some offers undervalue repairs.

• Hiring unlicensed contractors – This can void your insurance coverage.

Avoiding these mistakes can save you time, money, and frustration.

Filing a roof insurance claim in Florida doesn’t have to be stressful. By following the right steps—inspection, documentation, prompt filing, and professional support—you can maximize your chances of a successful claim.

At Honest Roofing FL, our mission is to protect Florida homeowners by providing expert roofing services and claim assistance. When searching for roofers near me, trust the professionals who understand Florida’s unique climate, codes, and insurance processes.

Need a professional roof inspection before filing your claim?

Contact Honest Roofing FL today. Our team of trusted Florida roofers will thoroughly assess your roof, provide clear documentation of any storm damage, and perform the necessary repairs once your insurance company approves the claim.

📞 Call us now or request an inspection online to prepare your home for a strong and reliable roof.