Fontainebleau · Miami-Dade County · Insurance
This is the Fontainebleau page for denied roof claim help. The short version: you want a second opinion after the carrier said no or paid too little, and you can have it without a salesperson at the door.
Get a written quoteThis is the housing age where a roof decides whether a policy renews, making a pre-renewal inspection cheap insurance against a non-renewal letter. Original tile roofs from the '80s and '90s are reaching underlayment failure now, and that's a lift-and-reset or full replacement, not a tile repair. Roof-to-wall attachment matters more here than anywhere; clips or straps added during a tear-off can move a home a full category on its wind mitigation report.
On cost: reinspection is free from our partners; if the dispute escalates to appraisal or a public adjuster, those are paid from the recovery, not up front.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life.
How it works
A process in most policies where you and the carrier each hire an appraiser and a neutral umpire settles the difference. It's faster and cheaper than litigation, and roofers can't do it for you — a public adjuster or appraiser can.
For a large disputed claim, often yes. They take a percentage of the recovery. For a straightforward claim with clear damage, a good roofer's documentation is usually enough.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life. Fontainebleau is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."