Roof Claims
Roof damage is one of the most disputed claim types in Florida. We make sure you get every dollar you're owed.
Roof Damage & Your Insurance Claim
Types of roof damage covered by your insurance will depend on the policy's terms and the reasons your roof needs to be repaired or replaced. Typically, a policy covers problems that are sudden or accidental, and caused by certain events such as wind, fire, or hail.
Roof claims are among the most frequently underpaid and disputed claims in Florida. Insurance companies often send their own adjusters who minimize the scope of damage, classify wear and tear as the cause, or offer settlements that only cover a fraction of the actual repair or replacement cost.
Southern Public Adjusters has over 30 years of experience handling roof claims throughout Florida. We know how to document storm-related damage, counter the insurance company's findings, and negotiate a settlement that reflects the true cost of restoring your roof.
Common Causes of Covered Roof Damage
Wind Damage
High winds from hurricanes, tropical storms, and severe thunderstorms can lift, crack, or strip shingles — exposing the underlying structure to water intrusion.
Hail Damage
Hail impacts create bruising and granule loss on asphalt shingles that may not be visible from the ground but significantly reduce the roof's lifespan and waterproofing ability.
Falling Debris
Tree limbs, branches, and other debris driven by storm winds can puncture or crush roofing materials, causing immediate and long-term structural damage.
Fire Damage
Fire can destroy roofing materials entirely or leave behind hidden structural damage that compromises the integrity of the entire roof system.
How We Handle Your Roof Claim
Thorough Roof Inspection
We conduct a detailed inspection of your entire roof system — shingles, underlayment, flashing, gutters, fascia, and decking — to document every aspect of the damage.
Expert Repair Estimate
We prepare a comprehensive repair or replacement estimate using current material and labor costs, ensuring nothing is left out of your claim.
Dispute Resolution
If the insurance company's adjuster undervalues the damage or denies the claim, we challenge their findings with our own documentation and push for a fair resolution.
Full Policy Review
We review your policy for all applicable coverages — including code upgrade requirements, matching provisions, and additional living expenses if your home is uninhabitable during repairs.
Roof Damaged by a Storm?
Don't let the insurance company shortchange your roof claim. Call Southern Public Adjusters today for a free consultation. We work on a contingency basis — you pay nothing unless we recover money for you.
Call 305-234-8243