Will you talk to my insurance company for me?

No. Florida law doesn't allow a roofing contractor to interpret your policy, advise you on coverage or adjust a claim unless they're a licensed public adjuster. We give you the documentation, and you or your chosen representative deal with the insurer.

Can you waive or cover my deductible?

No, and you should be wary of anyone who offers to. Florida law prohibits contractors from offering rebates, gifts or deductible waivers in connection with an inspection or a claim.

Can I sign my insurance benefits over to you?

For policies issued on or after January 1, 2023, Florida law doesn't allow post-loss benefits under a residential property policy to be assigned. You stay the policyholder and the claim stays yours.

How long does the insurer have to respond?

Florida law sets deadlines for insurers. They must acknowledge a claim communication within 7 days, and generally pay or deny a residential property claim within 60 days after receiving notice, with some exceptions set out in the statute.

Roof Insurance Claims in Jacksonville

Dated photos, a written damage report and an itemized repair estimate to support your roof claim. Your insurer decides the claim.

Roof insurance claims in Jacksonville go more smoothly with clear evidence. After a nor’easter or a tropical storm, insurers handle a lot of roof claims at once, and the ones that move fastest are usually backed by dated photos, a plain description of the damage and a repair estimate that lists every item. That’s the part we do.

What we provide

When you call us about storm damage you plan to claim, we inspect the whole roof and give you three things:

Dated photos of every sign of damage, with close-ups and wider shots showing where each one is on the roof
A written report describing what we found, slope by slope, including what came through undamaged
An itemized estimate for the repair or replacement, with materials and labor on separate lines

You share those with your insurer however you like. They’re also useful if an adjuster visits, because they show what the roof looked like soon after the storm.

What we don’t do

Florida has tightened the rules on contractors and insurance claims, and we follow them closely. A roofing contractor in Florida may not interpret your policy, advise you on coverage, or negotiate or adjust a claim on your behalf unless licensed as a public adjuster. We can’t offer rebates or gifts tied to an inspection or claim, can’t waive or pay your deductible, and can’t pay anyone for referring you to us.

Assignment of benefits is also off the table for newer policies. For residential policies issued on or after January 1, 2023, post-loss benefits can’t be assigned to a contractor. The claim belongs to you from start to finish.

Deadlines worth knowing

Florida law gives homeowners one year after the date of loss to give notice of a property claim, including a reopened claim, and 18 months for a supplemental claim. Your policy may set its own expectations about prompt notice, so it’s better to report damage early than to wait for the repair price.

Insurers have deadlines too. Under Florida law, an insurer must acknowledge a claim communication within 7 days, begin its investigation within 7 days of receiving proof-of-loss statements, and complete any physical inspection within 30 days. Generally, it must pay or deny a residential property claim within 60 days after receiving notice. There are exceptions written into the statute, but those numbers give you a sense of the timeline.

Protecting the roof while the claim is open

Claims take time, and rain doesn’t wait. If we find an opening, we put a temporary cover on it and photograph it in place. Keeping further water out protects your ceilings and insulation, and it’s the kind of reasonable step policies generally expect a homeowner to take.

When the claim is decided

Once your insurer has made a decision, we schedule the work. The estimate you already have becomes the scope, adjusted for anything the insurer’s decision changes, and we pull the permit and book the inspections. If the claim doesn’t cover everything, you’ll see exactly which items are left, so you can decide what to do about each one.

Before you sign with anyone

After a big storm, unfamiliar contractors often go door to door. Before you sign, check the contractor’s licence with the state, ask for a written estimate that lists every item, and be cautious with anyone who offers to cover your deductible or handle the claim for you. Our guide on how a roof insurance claim works walks through each step in order.

We document roof damage for homeowners in Jacksonville, Orange Park and Jacksonville Beach.