Roof insurance claim help in Lee County

We are roofers. We are not public adjusters and we are not attorneys. What we do is document the damage properly, explain what caused it in terms an adjuster can act on, and be on site when they inspect so that nothing gets missed or quietly recharacterised as wear and tear.

Florida claim deadlines, plainly

Under Florida law, notice of an initial or reopened property insurance claim must be given to your insurer within one year of the date of loss. A supplemental claim, meaning additional loss or damage arising from the same event, must be given within 18 months of the date of loss.

Those are hard deadlines, and they are shorter than most homeowners assume. If you think a storm may have damaged your roof, the useful move is to get it documented while there is still room on the clock. The inspection costs you nothing.

What good documentation looks like

• Photographs of every damaged area, with something in frame for scale and orientation
• The elevation and slope of each damaged area, so it can be tied back to the wind direction of a specific event
• Interior photographs of any water intrusion, including wet insulation and stained sheathing
• A written statement of the probable cause of the damage
• The date of loss and the weather event it corresponds to

Photographs of a roof that do not establish cause, location and extent are not documentation. They are just photographs.

What we do, and what we do not do

We do

• Inspect and document the damage in a form an adjuster can use
• Provide a written scope of work and an itemised repair estimate
• Meet the adjuster at the property and walk the roof with them
• Explain our findings directly to whoever needs to hear them
• Re-inspect if a supplemental claim becomes necessary

We do not

• Negotiate your claim or communicate with your insurer on your behalf as your representative
• Advise you on coverage, policy language or what your settlement ought to be
• Offer to absorb, discount or otherwise handle your deductible
• Ask you to sign your claim over to us

Those first two are regulated activities in Florida and we are not licensed to perform them. If your claim reaches the point where it needs that kind of help, you want a licensed public adjuster or an attorney, and we will tell you so rather than improvising.

Deciding whether to file at all

Not every repair belongs in a claim. If the repair costs less than your deductible, filing may cost you more than it returns you, and a claim on your record has its own downstream effects at renewal.

So we give you the repair number first. Then you decide, with an actual figure in front of you rather than a contractor telling you that insurance will probably cover it.