What Central Florida Homeowners Should Know Before Filing a Roof Insurance Claim

Filing a roof insurance claim in Central Florida can feel overwhelming, especially after storm damage or unexpected wear and tear. Understanding the process before you file can save you time, money, and frustration. Here’s what every homeowner in Lake, Orange, and Osceola counties should know about navigating roof insurance claims successfully.

Understanding Your Homeowner’s Insurance Policy

Before you even think about filing a claim, pull out your insurance policy and read it carefully. Many Central Florida homeowners are surprised to discover what their policy actually covers—and what it doesn’t.

Key Coverage Questions to Answer

• What’s your deductible? Most Florida policies have separate hurricane and non-hurricane deductibles
• Is your roof covered at Actual Cash Value (ACV) or Replacement Cost Value (RCV)? ACV factors in depreciation, meaning older roofs pay out less
• Are there age restrictions? Some insurers won’t cover roofs over 15-20 years old for certain types of damage
• What perils are included? Wind, hail, falling objects, and sudden water damage are typically covered, but wear and tear is not

Understanding these details upfront helps you set realistic expectations and avoid surprises during the claims process.

Document Everything Before and After Damage

The single most important thing you can do for a successful roof insurance claim in Central Florida is thorough documentation. Insurance adjusters rely heavily on evidence, and the more you provide, the smoother your claim will go.

Pre-Storm Documentation

Smart homeowners maintain ongoing records of their roof’s condition:

• Annual or bi-annual roof inspection reports from licensed contractors
• Photos and videos of your roof in good condition (dated)
• Receipts for any repairs or maintenance performed
• Records of roof age and installation date

Post-Damage Documentation

After a storm or when you discover damage:

• Take extensive photos and video from multiple angles
• Document interior damage like water stains, wet insulation, or ceiling damage
• Save any fallen debris or roofing materials
• Note the date and weather conditions when damage occurred
• Get a professional inspection and written estimate

Common Pitfalls to Avoid

Many Central Florida homeowners make mistakes that hurt their claims. Here’s what to watch out for:

Don’t Wait Too Long to File

Florida law requires you to report property damage to your insurer promptly. While the exact timeline varies by policy, waiting weeks or months can give insurers grounds to deny your claim. File as soon as you discover damage.

Don’t Make Permanent Repairs Before the Adjuster Visits

While you should take reasonable steps to prevent further damage (like tarping a leak), don’t complete permanent repairs until the insurance adjuster has inspected. Keep all receipts for temporary repairs—these are typically reimbursable.

Be Careful with Public Adjusters and Contractors Who “Handle Everything”

Some contractors offer to “handle your insurance claim” for you. While there are reputable professionals in this space, be cautious of anyone who:

• Asks you to sign over your insurance benefits
• Guarantees approval before inspection
• Pressures you to sign contracts immediately after a storm
• Offers to waive your deductible (this is insurance fraud)

The Claims Process: What to Expect

Once you file your roof insurance claim, here’s the typical timeline for Central Florida homeowners:

1. File the claim – Contact your insurer by phone or through their app/website
2. Claim assignment – An adjuster is assigned (usually within 1-3 days)
3. Inspection scheduled – The adjuster will contact you to schedule a roof inspection
4. On-site inspection – The adjuster examines damage (have your contractor present if possible)
5. Estimate issued – You’ll receive a written estimate of covered damages
6. Payment or denial – If approved, you’ll receive payment minus your deductible

The entire process typically takes 30-60 days in Florida, though complex claims may take longer.

When to Get a Professional Roof Inspection First

Before filing a claim, consider having a licensed roofing contractor inspect your roof. This helps you:

• Confirm whether damage is likely covered by insurance
• Get an accurate scope of work and estimate
• Have documentation to compare against the adjuster’s findings
• Understand whether repairs or full replacement is needed

At FL Brandon Roofing, we provide thorough roof inspections for homeowners throughout Central Florida. Our team can identify storm damage, assess your roof’s condition, and provide documentation to support your insurance claim. With over 30 years of experience serving Lake, Orange, and Osceola counties, we understand the local insurance landscape and what adjusters look for.

What If Your Claim Is Denied or Underpaid?

Don’t accept a denial or low estimate as final. You have options:

• Request a re-inspection – Ask for a second adjuster or supervisor review
• Provide additional documentation – Submit contractor estimates and photos
• File an appeal – Follow your insurer’s formal appeals process
• Contact the Florida Department of Financial Services – They can help mediate disputes
• Consult an attorney – For significant disputes, legal help may be warranted

Get Expert Help With Your Central Florida Roof

Filing a roof insurance claim doesn’t have to be stressful. With proper documentation, realistic expectations, and professional guidance, you can navigate the process successfully.

If you’re a homeowner in Claremont, Clermont, Winter Garden, Orlando, Kissimmee, or anywhere in Central Florida, FL Brandon Roofing is here to help. Contact our Central Florida office at (352) 638-7788 or visit us at 11407 Jardim Orlando Ct, Claremont, FL 34711 for a professional roof inspection and honest assessment of your situation.

Whether you need storm damage documentation, a repair estimate, or a complete roof replacement, our experienced team will guide you through every step of the process.