Re-Roofing

Insurance Claims

Roof Insurance Claims & Coverage in Central Florida

Navigating the insurance process for roof repairs can feel overwhelming, but you don’t have to face it alone. The Roof Guys are dedicated to simplifying the claims experience, ensuring high-quality repairs, and getting your home back to normal as quickly as possible.

Most homeowner’s insurance policies cover roof damage caused by sudden, accidental events such as strong winds, hail, hurricanes, or falling debris. However, every policy is different, and understanding what’s covered is key to a smooth process.

Homeowner’s Insurance vs. Warranty

Homeowner’s insurance helps cover roof damage caused by storms, wind, or debris.

 

A roof warranty typically covers material defects or workmanship, not weather events.

 

Tip: Before filing a claim, contact your insurance provider to confirm your coverage details, deductible, and claim deadlines.

Types of Damage We Repair

When a storm, hurricane, or falling debris damages your roof, The Roof Guys are here to help. As a licensed and insured roofing contractor serving Central Florida since 2001, we’ve helped thousands of homeowners replace or repair their roofs after severe weather.

 

Our team of expert roofers is fully equipped to handle a variety of roof damage types, including:

  • Storm Damage:

    Central Florida is no stranger to severe weather. From hurricanes to tropical storms, your roof can take a beating. We specialize in assessing storm damage, including missing shingles, leaks, and structural issues.

  • Wind Damage:

    High winds can rip off shingles, damage flashing, and cause debris impacts. We can quickly assess and repair wind damage, ensuring your roof remains secure.

  • Hail Damage:

    Hail can cause significant damage to your roof and/or skylights, leaving dents, cracks, and other issues that might not be immediately visible. Our team knows what to look for and will document the damage thoroughly for your insurance claim.

  • Water Damage:

    Leaks and water intrusion can lead to more extensive damage if not addressed promptly. We’ll help identify the source of water damage and provide a comprehensive repair plan.

  • Falling Debris:

    Whether it’s a tree limb or other debris, impacts can cause serious harm to your roof. We’ll assess the extent of the damage and help you navigate the insurance claims process.

     

  • If you suspect storm-related roof damage, schedule a professional roof inspection to assess your roof’s condition.

Gaf Birchwood 3 With Trailer

Roof Insurance Claim Process

Filing a roof insurance claim doesn’t have to be stressful. The Roof Guys help homeowners understand each step of the process and what to expect along the way.

 

Here’s what to expect when filing a roof insurance claim in Central Florida:

Step 1: Inspection & Documentation

After roof damage occurs, contact your insurance company to report it. They’ll create a claim and explain the next steps. A professional roof inspection can help document damage for your claim.

Detailed documentation of all damage can assist in getting the most complete claim value.
Our professional team thoroughly inspects your roof and surrounding areas for damage that might not be immediately visible, ensuring nothing is overlooked.

 

Step 2: Filing the Claim

Once damage is confirmed, you’ll file a claim with your insurance company and provide all documentation, including photos and repair estimates.

 

Step 3: Adjuster Meeting

Your insurer will typically send an adjuster to inspect the damage. Detailed documentation can help ensure all necessary repairs are included in your claim. Having a professional roofing contractor like The Roof Guys available during this inspection can help ensure all damage is accurately noted.

 

Step 4: Approval & Estimate

After the adjuster’s report is complete, your insurance company reviews the claim. If approved, you’ll receive funds to cover repairs or replacement (minus your deductible).

 

Step 5: Replacement or Repair

Once approved, your insurance company will require that a licensed and insured roofing contractor complete the work.
Our factory-trained professionals use top-quality materials and adhere to strict standards, ensuring the work passes inspection and meets permitting requirements.

From your initial claim to the final repair, we’re committed to clear communication, quality work, and dependable service.

Shingle Loading

Why Central Florida Homeowners Choose The Roof Guys

When it comes to roof damage insurance claims, The Roof Guys offer several unique advantages:

  • Local Expertise:

    As a family-owned and operated business, we know the ins and outs of Central Florida’s unique weather challenges. Our team has years of experience handling storm-related repairs and replacements.

  • Licensed and Insured:

    We hold both a Roofing license (CCC1330835) and a Building license (CRC1330974), so you can feel confident your roof is in expert hands.

  • Comprehensive Support:

    We’ll handle everything from the initial inspection to working with your insurance adjuster, making the process as smooth and stress-free as possible.

  • Customer Satisfaction:

    With over 40,000 satisfied customers, our track record speaks for itself. We’re committed to providing top-notch service and ensuring your complete satisfaction.

  • Financing Options:

    We offer multiple financing options to help cover any out-of-pocket expenses that might arise during the repair process.

Tips for a Smooth Claims Process

Act Quickly
File your claim as soon as possible after storm damage occurs. Insurance policies often have deadlines for filing, and prompt action can prevent further damage.

 

Document Everything
Keep a record of all communication with your insurance company, including emails, phone calls, and letters. Save photos, repair estimates, and receipts for any temporary emergency fixes for possible reimbursement.

 

Partner with a Trusted Roofing Contractor
A professional roofing contractor like The Roof Guys can provide the documentation, estimates, and high-quality work needed to keep the claims process on track.

 

Be Available for Inspections
Ensure you or your contractor is present when the adjuster visits your property. Having an advocate present can help ensure all damages are noted so you get an accurate estimate for all the necessary repairs your home needs.

 

Understand Your Coverage
Review your policy so you’re aware of what’s covered and any exclusions that may apply.

Schedule a Roof Assessment

When roof damage occurs, you don’t have to navigate the insurance claims process alone. Contact The Roof Guys today to schedule your roof inspection and let us help you get the coverage you deserve. We’re here to make sure your home is protected and your peace of mind restored.

Roof Repair in The Villages Florida

NOTICE TO CONSUMERS:

The consumer is responsible for payment of any insurance deductible.

 

It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to a property covered by a property insurance policy.

 

It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.

 

Per Florida Statute 489.147

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