Navigating Complex Insurance Claims Successfully
Insurance companies often try to minimize roof damage claims, leaving Tampa homeowners frustrated and under-compensated. Our experience working with all major insurers helps you navigate the claims process effectively, document damage properly, and ensure you receive fair compensation for legitimate storm damage to your roof.
Common Claim Scenarios
Hurricane Damage
wind damage, missing shingles, structural damage from debris impact. Typically covered under wind/hail provisions.
Hail Damage
Impact marks, granule loss, exposed mat. Requires professional documentation for successful claims.
Wind Damage
Lifted or missing shingles, damaged flashing, torn underlayment from high winds.
Fallen Tree Damage
Structural damage from tree impact. Usually covered if tree falls due to covered peril.
Age-Related Denials
Insurers may deny claims on older roofs claiming normal wear rather than storm damage.
Improper Repairs
Previous DIY or poor contractor work can complicate legitimate storm damage claims.
Maximizing Your Claim Success
Immediate Documentation
Photograph damage immediately after storm. Document pre-storm condition if possible.
Professional Inspection
Have certified inspector assess damage before filing claim. Detailed reports support claim validity.
Timely Filing
File claims promptly. Most policies require notification within days to weeks of damage discovery.
Adjuster Meeting
Be present during adjuster inspection. Point out all damage areas and provide supporting documentation.
Scope Verification
Review adjuster scope for completeness. Challenge inadequate assessments with professional support.
Quality Repairs
Use licensed contractors for repairs. Maintain warranties and ensure code compliance.