Blog
How to File a Roof Insurance Claim After Hurricane Damage
in South Florida
When a hurricane passes through South Florida, even the strongest roofs can suffer serious damage. Between high winds, flying debris, and heavy rain, homeowners often find leaks, missing tiles, or structural problems once the storm clears.
At Florida Coast Contracting & Roofing, we understand how stressful it can be to deal with roof damage and insurance claims at the same time. Our team has helped countless homeowners and property managers across Palm Beach County and Broward County navigate the claims process quickly and confidently. Here’s how to handle it the right way.
1. Inspect Your Roof Safely After the Storm
Safety always comes first. After the storm, avoid climbing onto your roof yourself. Instead, walk around your property and look for visible signs of damage such as:
- Missing or cracked shingles or tiles
- Loose flashing or lifted roof edges
- Water stains or leaks inside your home
- Fallen branches or debris on your roof
Take clear photos and videos from different angles. These will serve as important evidence for your insurance claim.
2.Schedule a Professional Roof Inspection
Before contacting your insurance company, call Florida Coast Contracting & Roofing for a free, professional roof inspection. Our experienced team will thoroughly assess your roof and provide a detailed report that includes:
- The extent of visible and hidden damage
- A written repair or replacement estimate
- Documentation that supports your claim
Having an expert inspection from a licensed roofing contractor helps ensure your insurance company receives accurate information about the damage.
3.Review Your Homeowner’s Insurance Policy
It’s important to know what your policy covers before filing a claim. Review these key details:
- Your hurricane or windstorm deductible
- Exclusions related to roof age or maintenance
- Claim filing deadlines (many require notice within 14 days)
If you’re unsure how to interpret your policy, our team can help you understand the key points before you submit your claim.
4. File the Claim with Proper Documentation
Once you have your inspection report and photos, it’s time to file your claim. Provide your insurer with:
- The date of the storm
- Photos and videos of damage
- The roofing inspection report and repair estimate
Keep records of every phone call, email, and document you send. The more organized your claim, the smoother the process will be.
5. Meet the Insurance Adjuster with Your Roofer Present
Your insurance company will schedule an adjuster to visit your property. Having your Florida Coast Contracting & Roofing representative present ensures the adjuster sees all damage, including areas that may not be immediately obvious. This step often helps homeowners get a more accurate and fair assessment.
6. Complete Repairs Quickly to Prevent Further Damage
Once your claim is approved, schedule your roof repairs or replacement as soon as possible. Delays can lead to additional leaks, mold, or structural issues. Our team handles everything from start to finish, including coordinating with your insurance company and ensuring all work meets Florida’s building standards.
At Florida Coast Contracting & Roofing, we use high-quality materials and proven installation methods designed to stand up to South Florida’s heat, humidity, and storms. Whether you’re in Palm Beach County or Broward County, we’re here to restore your roof and peace of mind.
Tips for a Smooth Roof Insurance Claim Process
- Keep copies of all estimates, reports, and receipts
- Do not accept a low settlement if it doesn’t cover your full repair costs
- Always verify your contractor’s license and insurance
- Schedule follow-up inspections to confirm repairs were completed correctly
Florida Coast is Here to Help
If your roof was damaged in a recent hurricane or severe storm, Florida Coast Contracting & Roofing is ready to help. We offer free roof inspections, detailed claim support, and professional repairs for homeowners and businesses across Palm Beach County and Broward County.
For more information or to book your free roof inspection call (561) 260-3126 or submit a form here.