Florida · Insurance
Documentation, adjuster meeting, supplements. Most people searching this want to understand whether they have a claim and to not get steamrolled by the adjuster — that's what you'll get, in writing, from a licensed Florida roofing contractor.
Get a written quotethere is no fee to the homeowner for inspection and claim documentation — the roofer is paid from the approved claim, and your out-of-pocket is the deductible.
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
Roofer. An inspection before you file tells you whether there's enough damage to exceed the deductible and gives you photo evidence dated before the adjuster's visit.
The carrier's adjuster inspects the roof and writes a scope. Having your roofer present means damage doesn't get missed and the scope is argued on the spot rather than by letter later.
A request for additional payment when the adjuster's scope missed items — code upgrades, drip edge, ice-and-water shield, or damage found once the roof is opened up. Common and legitimate.
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.