The cause of your roof damage will be an important factor in determining whether your roof damage claim is approved or denied. When you submit your proof of loss statements, it is important to be thorough and clear. Your insurance adjuster will want to know how old the roof is, what materials it is made from, and what caused the damage. Take videos and pictures to use as evidence to support your claim.Florida Roof Damage Lawyer Williams Law P.A.

You may need to provide proof of the last time you repaired or re-did your roof, information about the materials used, and photos of damage to your roof. Your insurance adjuster will want to know whether the damage might have been due to wear and tear, or due to a sudden event like a fallen tree branch or storm.
Recently, new Florida laws took effect July 1, 2021.  These laws centered around roof claims, roof damage claim, and roofing contractors.  The insurance companies were able to get politicians to help them enforce tighter regulations which will make it more difficult for a homeowner to file a roof claim against their insurance company.

What SB 76 Means for Florida Homeowners

The bill creates a scale for replacing roofs more than 10 years old. SB 76 also provides new rules for contractors and insurance companies. The biggest change for homeowners due to SB 76 is regarding roofs over 10 years of age. Any roof surface type less than 10 years old is under full replacement coverage. Meanwhile, after 10 years the reimbursement schedule gets a little trickier.

In the event of a complete loss, SB 76 doesn’t apply but instead gets paid for in full. SB 76 also only allows for two years to file roof damage insurance claims or to reopen a claim.

Understanding Your Roof Coverage

The first thing to understand about roof coverage is that the age of your roof is a factor when it comes to your roof claim being covered or not. 
The dwelling coverage in a homeowners insurance policy typically helps protect your home’s structure, including the roof, from certain perils, or causes of damage. Commonly covered perils include fire, wind, and hail damage. So, if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm, you may find that your dwelling coverage helps cover the cost. If the contents of your home are ruined as the result of a covered roof claim, personal property coverage may help pay to repair or replace them.

Meanwhile, the roof of an unattached structure on your property, such as a shed or detached garage, may be covered by the other structures protection in a homeowners insurance policy if the damage is caused by a covered peril.


Does your roof have replacement cost coverage or actual cash value?  The difference will set the expectation when it comes to your claim payout. 
Replacement cost means that they will not factor depreciation into the cost of replacement value. You should get the full amount to replace or repair your roof minus your deductible. 

The actual cash value subtracts the depreciation amount from the replacement value, and you get the rest minus your deductible.


A deductible is how you will pay out of your pocket towards the repair of your roof. Some companies will want to see that you have paid the deductible before you get the rest of the payment.

Before calling your insurance company, you should carefully read through your homeowners insurance policy. If you believe that the damage should be covered, call local roof repair contractors to inspect the damage. A reputable roof repair contractor can provide an accurate estimate. If the estimate is more than the cost of your deductible, then filing a roof damage insurance claim may be the best option.

Disputing a Roof Claim Insurance Denial

If your roof insurance claim is denied, the situation will be frustrating. You are left to worry about how you will cover the expense of repairs on your own. After dealing with paperwork, bargaining with insurance adjusters, and awaiting a response to your claim, the additional stress ensues.
The process of appealing a denied roof damage claim in Florida can be stressful. You don’t have to do it alone. Our roof damage claim lawyers at Williams Law, P.A. can look at the information you provided to your insurance company in your proof of loss statement. If documentation is missing or more information needs to be provided, our roof damage claims lawyers can help you supply clearer documentation to your insurance adjuster so that you can receive the fair settlement you may deserve under the law.

Has Your Home Insurance Company Denied Or Undervalued Your Property Damage Claim In Florida?

If your insurance company is dragging their feet regarding your property damage claim you should speak with an experienced insurance claim lawyer as soon as possible. Please contact us online or call our Florida law office directly at 800.451.6786 to schedule your free consultation. We help Florida residents just like you fight the big insurance companies who fail to abide by their own policies. Remember, we work on a contingent basis, meaning you don't pay us anything until we win your case. 

K.C. Williams III
Managing Partner who has spent his entire career representing Florida insurance and personal injury claims.
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