Northwood · West Palm Beach · Insurance
Northwood roof insurance claims: inspection, documentation, adjuster meeting, and supplements — from a roofer who does this weekly.
Get a written quoteClaims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
Ordinance-or-law coverage is where the money is on an older home; bringing the roof to current code costs real money the base claim won't cover.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts.
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How it works
Claims on older roofs turn on the wear-versus-damage distinction, and the best evidence is an inspection report dated before the storm — or a very careful one dated right after. Code-upgrade coverage (ordinance-or-law) matters most on historic homes, where bringing the roof to current code adds real cost the base claim won't cover.
From aerial measurement of your specific roof, the home's age (built before 1980), and what you tell us. It's a number for your house, not an average for the neighborhood.
Not automatically, but the carrier will argue pre-existing wear. An inspection report from before the storm, or good documentation of storm-specific damage patterns (creased shingles, lifted tabs on the windward side), makes the difference.