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Roof Damage
Roof damaged by a Florida storm? We fight insurers who deny or underpay roof claims and recover full repair costs.
Roof Damage Claims in Florida
Your roof takes the full force of Florida's storms, and it is also the most scrutinized, and most frequently denied, part of a property claim. Wind, hail, flying debris, and hurricanes lift and crack shingles, dislodge tiles, and compromise the underlayment, often in ways that are not visible from the ground but that let water in and threaten the entire structure beneath.
Insurers commonly deny or underpay roof claims by blaming wear and tear, age, or poor maintenance rather than the storm, or by approving a minor repair when replacement is truly needed. Overcoming these tactics requires expert roofing and sometimes engineering evidence that ties the damage to a specific covered event. Florida's building code, overseen by the Florida Building Commission, can also require code-compliant materials and methods that raise the proper cost of repair, recoverable under ordinance-or-law coverage.
Florida sets strict deadlines for reporting windstorm and hurricane roof claims, so prompt action matters.
This is part of our Property Damage Claims practice. Related matters include roof replacement and roof leaks. Review our case results, learn about Attorney Edward G. Jimenez, or request a free consultation by calling (321) 465-3425.
Client Reviews
Why Roof Claims Get Denied
Roof repairs are expensive, so insurers scrutinize these claims hard. The most common denial is that the damage is from age or wear rather than a covered storm, or that the roof is repairable when it is not. We counter these arguments with roofing and engineering experts who document storm-related damage, distinguish it from pre-existing wear, and establish that the loss is covered.
Code Upgrades and Ordinance-or-Law
When a roof is repaired or replaced, Florida's building code may require upgrades the original roof never had, such as secondary water barriers or improved fastening. Ordinance-or-law coverage in your policy can pay for these code-driven costs. We identify the applicable code requirements and pursue the upgrade costs so your roof is restored to a compliant, durable standard, not just patched to its old condition.
Report Promptly
Florida law sets firm deadlines for new windstorm and hurricane claims, generally measured from the date of loss, and waiting can bar your claim. Photograph the damage, keep any contractor inspection reports, and report the loss promptly. We then build the expert record needed to secure full repair or replacement. Call Jimenez Legal at (321) 465-3425 or request a free consultation.
Frequently Asked Questions
They often blame wear and tear or argue the roof is repairable rather than in need of replacement.
Roofing and engineering experts can document storm-related damage versus pre-existing wear.
If a repair cannot properly restore the roof, you may be entitled to full replacement under your policy.
It can affect coverage under roof endorsements that limit payment based on age or use actual cash value.
Yes, Florida sets deadlines for storm and windstorm claims, so report and act promptly.
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