How to File a Roof Insurance Claim After a Storm in Florida

Storm damage is common in Florida, and your roof often takes the brunt of high winds, hail, and flying debris. If your roof has been damaged, filing an insurance claim the right way can help you get the repairs or replacement you need with minimal out-of-pocket expense. Here’s how to navigate the roof insurance claim process in Florida.

Step 1: Assess the Damage Safely

After the storm passes, inspect your property from the ground. Look for:

• Missing or damaged shingles

• Debris on the roof

• Water stains on ceilings or walls

• Pieces of roofing material in your yard

Tip: Avoid climbing on the roof—leave that to a professional.

Step 2: Contact a Roofing Professional

Call a trusted roofing company like New Roofs Group to perform a thorough roof inspection.

• We’ll document the damage with photos and a written report

• We can help determine if the damage is storm-related and qualifies for a claim

• We’ll provide an honest recommendation on whether to file

Step 3: Review Your Insurance Policy

Understand what your policy covers:

• Wind and hail damage are typically covered

• Cosmetic damage may not be included

• Some policies have higher hurricane deductibles

Check your policy limits, deductibles, and claim process.

Step 4: File the Claim Promptly

Contact your insurance company as soon as possible:

• Provide photos and inspection documentation

• Be clear and honest about the damage

• Keep records of all communication

Step 5: Schedule the Insurance Adjuster Inspection

The insurance company will send an adjuster to inspect the roof:

• New Roofs Group can meet with the adjuster to ensure all damage is noted

• We’ll advocate for a fair and accurate assessment

Step 6: Get Approval and Begin Repairs

Once your claim is approved:

• Choose a licensed and insured contractor like New Roofs Group

• We’ll help you understand your estimate and timeline

• Our team handles the work quickly and professionally

Don’t Delay—Time Is Critical

Most policies have a deadline for filing storm damage claims. Acting fast helps prevent further damage and increases the likelihood of a successful claim.

Trust New Roofs Group to Guide You

Navigating roof insurance claims can be stressful. Let New Roofs Group handle the process from inspection to installation.

Contact us today for a free post-storm inspection and expert support through every step of your insurance claim.