The Florida Roof Insurance Claim Process

A roof claim moves through predictable stages. Knowing them keeps you from making the two most common mistakes: waiting too long, and letting damage be covered up before it is documented.

The stages

• Document the damage with dated photos before anything is tarped or removed
• Prevent further damage — most policies require reasonable mitigation, such as tarping
• Notify your carrier and open the claim within your policy deadlines
• Adjuster inspection — a licensed contractor can walk the roof with them
• Scope and settlement — the carrier issues its determination
• Repair or replacement performed by a licensed contractor with a permit

What no contractor can promise

Approval. Payment. A specific settlement amount. If someone guarantees a claim outcome, that is a warning sign, not a selling point.

Frequently asked questions

How long do I have to file?

Florida statutes and your specific policy set the deadline, and it is shorter than most homeowners expect. Check your policy and file promptly.

Should I tarp before the adjuster comes?

Photograph first, then tarp. Preventing further damage is normally your responsibility under the policy.

Will filing a claim raise my premium?

That is a carrier and market question. Ask your agent before filing if the damage is minor.

O'Brien Contracting — Florida roofing contractor, license CCC1335947. Call (239) 919-4485.

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