Free claim review
Roof Insurance Claim Assistance in South Florida
Roofing Network documents storm and wind damage to Florida standards so your roof insurance claim is decided on evidence rather than opinion. We inspect free of charge, photograph every point of damage, write the repair scope, and meet your adjuster on the roof. We are your roofing contractor, not your public adjuster, and we do not take a percentage of your claim.
Free damage inspection and claim review
Dated photo evidence package for your carrier
We meet your adjuster on the roof
Licensed Florida roofing contractor, fully insured
No percentage of your claim, ever
Claim review cost
Deadline to file in FL
Supplemental claim window
Our cut of your claim
Roof insurance claims, South Florida
Claims are won or lost on documentation, not argument
Florida roof claims are denied for three reasons far more often than any other: the damage was recorded as wear and tear rather than a covered wind event, the claim was filed after the statutory deadline, or the evidence was photographs taken from the ground three weeks after the storm. All three are documentation failures, and all three are avoidable.
Roofing Network's role is the roofing evidence. We inspect the roof, photograph and date every point of damage, map it against the storm event, write a line-item repair or replacement scope in the format adjusters work in, and attend the adjuster's inspection so nothing gets missed while we are not there. The inspection and claim review are free. Call 954-588-8734 to start.
Intro image — 720 × 620
Does insurance cover roof replacement in Florida?
It depends on cause, not condition. Florida property policies cover sudden damage from a covered peril and exclude gradual deterioration. In practice:
Usually covered — wind damage, hurricane and tropical storm damage, hail, falling trees or debris, and sudden accidental damage.
Usually not covered — age, UV degradation, granule loss, failed underlayment that has simply reached end of life, poor original installation, and damage from deferred maintenance.
Depends on your policy — whether you have replacement cost value or actual cash value on the roof. ACV pays the depreciated value of a 16-year-old roof, which on a shingle roof can be a fraction of what replacement costs. Check this before you need it.
Two more things worth knowing. Florida hurricane deductibles are a percentage of dwelling coverage, commonly 2 percent, so a $600,000 home carries a $12,000 hurricane deductible, and a repair under that figure is not worth claiming. And your roof does not have to be destroyed to qualify: if wind lifted enough tabs or tiles to compromise the water barrier, that is damage.
Block 1 image — 640 × 560
Block 2 image — 640 × 560
The Florida deadlines and rules that catch people out
Florida property insurance law changed substantially between 2021 and 2023. These are the rules that matter to a roof claim today:
One year to file a new claim. Under Florida Statute 627.70132 you must give notice of a new or reopened property claim within one year of the date of loss. This was previously two years and then three. Many owners are still working to the old figure.
18 months for a supplemental claim. If the original settlement did not cover the full scope, the supplemental claim window is 18 months from the date of loss.
Assignment of Benefits is effectively gone. Florida eliminated AOB for new residential property policies, so a contractor can no longer take assignment of your claim and pursue the carrier. Anyone offering to handle your claim in exchange for signing over benefits is working from an outdated playbook.
No contractor may pay or waive your deductible. Florida Statute 489.147 prohibits a contractor from offering to pay, waive, rebate or absorb your insurance deductible. A free roof offer is an admission of intent to break the law and it exposes you as well as them.
Roof age and insurability. An insurer generally cannot refuse to write a policy solely because a roof is under 15 years old. At 15 years or older, an inspection showing at least five years of remaining useful life can keep you insurable.
What we do on your claim, and what we do not
We are a roofing contractor. That defines the line precisely:
What we do — free damage inspection, dated and located photo evidence, moisture readings, a written line-item scope in adjuster format, attendance at the adjuster's inspection, response to a scope that misses documented damage, and the repair or replacement itself once the claim is settled.
What we do not do — negotiate your settlement, interpret your policy, take assignment of benefits, or take a percentage of your claim. Those are the work of a licensed public adjuster or an attorney, and pretending otherwise is how contractors lose their licenses in Florida.
If your claim is denied or badly underpaid and you want it challenged, engage a licensed Florida public adjuster or a property insurance attorney. We will supply our full evidence package to them at no charge, because good documentation is the point of having documentation.
Block 3 image — 640 × 560
Block 4 image — 640 × 560
Does insurance cover roof deck replacement?
Sometimes, and this is one of the most common disputes on a Florida roof claim. If the decking was damaged by the same covered event, for example water intrusion after wind removed the covering, the deck replacement generally forms part of the claim. If the deck is rotten from years of slow leakage, or has to be replaced solely to meet current code, carriers often resist.
Two things change the outcome. First, evidence: photographs of the deck taken during tear-off, with moisture readings, showing damage consistent with the storm event rather than long-term decay. Second, whether your policy carries law and ordinance coverage, which pays for code-required upgrades triggered by the repair. In Florida this matters, because bringing a section up to current code can add renailing, a secondary water barrier and upgraded fastening.
We photograph the deck before we cover it, every time, on every claim job. See roof deck replacement for scope detail and storm damage roofing for storm-specific work.
Why our claim documentation holds up
Photographed, dated and located
Every point of damage is photographed with date and location recorded, wide shot and close-up, so the adjuster can place each finding on the roof rather than take our word for it.
Scope written the way adjusters read
Line-item scope with quantities, materials and code-required items called out separately, so there is nothing for the carrier's estimating software to silently drop.
We attend the adjuster inspection
The single highest-value hour in a roof claim. Damage that nobody points out on the roof rarely appears in the settlement, and disagreements are far cheaper to resolve on the roof than in writing afterwards.
We take none of your claim
We are paid for roofing work at our quoted price. We do not take a percentage, we do not take assignment of benefits, and we will never offer to absorb your deductible, because Florida law prohibits it.
How a roof insurance claim works
Step 01
Free inspection and claim review
Before you file, we inspect and tell you honestly whether you have documentable storm damage and whether the likely scope exceeds your deductible. A claim you will lose is worth not filing.
Step 02
Evidence package assembled
Dated photographs, moisture readings, damage mapped to the storm date and a written line-item scope. You receive the full package, so it is yours regardless of who does the work.
Step 03
You file with your carrier
You file the claim, in your name, within the statutory window. We supply the documentation. Under current Florida law a contractor cannot file or pursue the claim on your behalf.
Step 04
Adjuster inspection, attended
We meet your adjuster on the roof and walk the documented damage point by point, so the scope reflects what is actually there.
Step 05
Approved scope, then the work
Once the carrier approves, we pull the permit and complete the work to the approved scope. Anything found during tear-off that supports a supplemental claim is documented immediately. See roof financing for covering your deductible.
What claim assistance costs
Nothing, as a separate service. The inspection, the photo evidence package, the written scope and adjuster attendance are included at no charge because they are part of quoting the roofing work properly. Here is what you should expect to pay in a Florida roof claim overall.
Roofing Network damage inspection and claim review — free
Photo evidence package and written line-item scope — free
Adjuster inspection attendance — free
Your all-perils deductible — commonly $1,000 to $5,000, set by your policy
Your hurricane deductible — commonly 2% to 5% of dwelling coverage, so $12,000 to $30,000 on a $600,000 home
Licensed public adjuster, if you engage one — capped by Florida law at 20% of the claim payment, and 10% for claims from a declared state of emergency in the first year
Roof repair or replacement — quoted to the approved scope, see our roof replacement cost guide
Deductible figures are typical Florida policy structures, not our fees. Check your declarations page for your actual all-perils and hurricane deductibles and whether your roof is insured at replacement cost value or actual cash value, because that single line decides more claim outcomes than anything a contractor does.
Who is documenting your claim
Florida Certified Roofing Contractor, license number CCC1329271
General liability and Florida workers' compensation
Damage documentation prepared for carrier and adjuster review
Compliant with Florida Statute 489.147 on deductibles and solicitation
No assignment of benefits taken, in line with current Florida law
License numbers
CCC1329271 — Florida Certified Roofing Contractor
Insurance
Roofing Network carries general liability insurance and Florida workers' compensation, and supplies a certificate of insurance to you and to your carrier on request. Using an uninsured contractor on claim work gives the carrier an easy reason to dispute the repair.
Warranty
Work completed under an approved claim scope carries the same written workmanship warranty and manufacturer material warranty as any other Roofing Network job. Insurance funding changes who pays, not what you get.
Roof insurance claim FAQs
Which roofing companies in South Florida handle insurance claims?
Roofing Network handles the roofing side of insurance claims across Broward, Miami-Dade and Palm Beach County, including Coral Springs, Fort Lauderdale, Hollywood, Miami and Boca Raton. We document damage, write the scope and attend the adjuster inspection at no charge, then complete the approved work.
How long do I have to file a roof claim in Florida?
One year from the date of loss for a new or reopened claim, and 18 months for a supplemental claim, under Florida Statute 627.70132. These windows were shortened by recent reform, so anyone working from a two or three year figure is using outdated information.
Will filing a roof claim raise my premium or get me dropped?
It can. Florida carriers weigh claim history heavily and non-renewals after roof claims are common. That is exactly why we tell you before you file whether the documented damage is likely to exceed your deductible enough to be worth claiming at all.
Can you help me pay my deductible?
No, and no legitimate Florida contractor can. Florida Statute 489.147 prohibits a contractor from paying, waiving or rebating your deductible. What we can do is point you to roof financing, which is legal and is how most owners bridge the gap.
Does insurance cover roof deck replacement?
If the deck was damaged by the same covered event, usually yes. If it rotted from long-term leakage, usually no. Law and ordinance coverage on your policy may pay for code-required deck renailing and upgrades triggered by the repair. Photos taken during tear-off decide this argument.
Do I need a public adjuster?
Not for a straightforward, well-documented claim. Consider one if your claim is denied, badly underpaid, or the scope ignores documented damage. Florida caps public adjuster fees at 20 percent of the payment, and 10 percent for claims arising from a declared emergency in the first year.
Get a free roof damage inspection and claim review
We will tell you honestly whether you have a claim worth filing before you file it, and give you the photo evidence package either way. Serving Broward, Miami-Dade and Palm Beach County. Call 954-588-8734 or book online. If water is coming in now, start with 24/7 emergency roof repair.
Related roofing services
Handled in-house by our own licensed crews.
Where we work
Licensed and insured across all three South Florida counties.