Insurance Claims
How to Get Homeowners Insurance to Pay for a New Roof
At Puma Roofing, we have a licensed insurance adjuster on staff to help Florida homeowners navigate the insurance process. While Florida’s property insurance landscape can be complex, if a storm damages your roof, you have the right to use your policy for repairs or replacement. We guide you through the process step by step to make filing a roofing claim simple and stress-free.
1. Review Your Insurance Policy
Start by carefully reading your homeowner’s insurance policy. Coverage typically applies only if your roof was damaged by a covered event, such as:
- Hurricanes or tropical storms
- High winds
- Hail damage
- Water damage from storms
Damage from normal wear and tear, age, or neglect is usually not covered. If you’re unsure, contact your insurance agent to confirm what’s included.
2. Document the Damage
Insurance companies require proof before paying a claim. Strengthen your case by:
- Taking clear photos and videos of all damage, including missing shingles, leaks, and structural issues
- Capturing both wide-angle shots of the roof and property and close-ups of affected areas
- Keeping records of any temporary repairs to prevent further damage
3. File a Claim
Contact your insurance company to submit a claim. Be prepared to provide:
- Detailed documentation of the damage
- The date and cause of the damage
- Any repair estimates you have
Accuracy is crucial—overstating damage can lead to denied claims.
4. Schedule an Adjuster Inspection
Your insurer will likely send an adjuster to inspect the roof. They will:
- Assess the damage and its cause
- Determine whether it’s covered under your policy
- Provide a report that helps your insurer calculate compensation
5. Review the Settlement Offer
Once your claim is evaluated, the insurance company will issue a settlement offer. Make sure it covers:
- Full repair or replacement costs
- Labor and materials
- Additional storm-related damage
If the offer seems insufficient, you can negotiate, submit extra documentation, or hire a public adjuster to advocate for you.
6. Hire a Licensed Roofing Contractor
Choose a reputable Florida roofing company, ideally experienced with insurance claims. A good contractor will:
- Provide accurate repair or replacement estimates
- Work directly with your insurance company
- Ensure your roof meets Florida building codes
7. Complete the Work and Submit Proof
After your roof is repaired or replaced:
- Keep all invoices and documentation
- Take “after” photos of the finished work
- Provide proof to your insurance company if needed
Key Tips
- Act quickly after damage occurs; delays can hurt your claim
- Only claim damage from covered events
- Experienced roofing contractors can help navigate the insurance process and maximize your payout