Question 1

What should I do immediately after storm damage to my roof?

Accepted Answer

First, call us for emergency tarping to stop further water intrusion. Do not attempt to get on the roof yourself — post-storm roofs are extremely hazardous. Take interior photos of any ceiling staining or water entry. File a claim with your insurance carrier as soon as possible — Florida law requires insurers to acknowledge claims within 14 days, but you should report promptly. Do not allow anyone to pressure you into signing an Assignment of Benefits (AOB) agreement, which transfers control of your claim to a third party.

Question 2

Does Florida homeowner's insurance cover storm damage?

Accepted Answer

Most Florida homeowner's policies cover wind and storm damage, including hurricane damage. However, policies vary significantly in their deductibles, coverage caps, and exclusions. Most Florida policies have a separate hurricane deductible, often 2–5% of the insured value. We recommend reviewing your policy declarations page or speaking with your agent before your claim call so you understand your out-of-pocket exposure.

Question 3

How long do I have to file a storm damage claim in Florida?

Accepted Answer

Florida law (F.S. 627.70132) gives homeowners up to 3 years from the date of the hurricane to file a claim. However, you should file as promptly as possible after discovering damage. Late filing can complicate claims if the insurer argues the damage was pre-existing or worsened due to delay. For non-hurricane storms, the standard claims period is 1–2 years per your policy terms.

Question 4

Will filing a roof claim raise my insurance rates?

Accepted Answer

A single weather-related claim generally will not cause a non-renewal in Florida. However, multiple claims within a short period can affect your renewability with some carriers. Florida's Citizens Insurance and many private carriers have become increasingly selective about risk in high-claim coastal areas. We can advise on the pros and cons of filing based on your deductible, claim size, and coverage situation.

Question 5

What is the difference between actual cash value and replacement cost value coverage?

Accepted Answer

Replacement Cost Value (RCV) coverage pays what it costs to replace your roof with new materials of like kind and quality, minus your deductible. Actual Cash Value (ACV) coverage depreciates the value of your existing roof based on its age and pays only that depreciated amount. A 15-year-old roof under ACV coverage might only receive 30–40% of replacement cost. RCV coverage is significantly more protective and is what we recommend homeowners carry in Florida.

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