Florida · Insurance
Reinspections and appraisal. Most people searching this want a second opinion after the carrier said no or paid too little — that's what you'll get, in writing, from a licensed Florida roofing contractor.
Get a written quotereinspection is free from our partners; if the dispute escalates to appraisal or a public adjuster, those are paid from the recovery, not up front.
Florida's 2022 insurance reforms ended assignment-of-benefits agreements for new policies and shortened claim filing windows, so the order you do things in matters more than it used to.
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.
Many Florida carriers now offer policies that pay actual cash value on older roofs rather than full replacement cost — worth checking before you assume a claim will cover a new roof.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts.
How it works
Ask for the report and photos. Get a roofer with claims experience to document the storm-specific damage the adjuster didn't attribute. Request a reinspection with your roofer present. Most reversals happen at this step.
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.
In 25 counties and 300 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.