Roof damage from fallen tree

Roof & Wind Damage Claims

Your roof is your home's first line of defense against Florida's severe weather. When wind, hail, or falling debris damages your roof, you need experienced public adjusters who understand the complexities of roof damage claims and can ensure you get the full replacement or repair coverage you deserve.

Expert Roof Damage Claim Handling

Roof damage claims are often more complex than they appear. What looks like minor damage from the ground can involve extensive structural issues, water intrusion, and secondary damage that insurance company adjusters frequently overlook or undervalue.

Our public adjusters have specialized training in roof damage assessment and work with certified roofing contractors to ensure every aspect of your roof damage is properly documented and valued.

Complete Roof System Assessment

We don't just look at shingles. We assess the entire roof system including decking, underlayment, flashing, gutters, and potential interior damage.

Severe roof damage requiring professional assessment

Common Types of Roof & Wind Damage

Florida's severe weather can cause various types of roof damage that require professional assessment.

Visible Roof Damage

Missing or damaged shingles from high winds
Hail damage to roofing materials
Fallen tree damage to roof structure
Damaged gutters and downspouts
Compromised flashing around chimneys and vents
Structural damage to roof decking and trusses

Hidden Damage Often Missed

Water intrusion through damaged areas
Compromised insulation and vapor barriers
Damage to electrical systems in the attic
Mold growth from moisture infiltration
Structural weakening not visible from ground level
HVAC system damage from debris or water

Why Roof Claims Are Often Underpaid

Insurance companies use various tactics to minimize roof damage settlements.

Quick Inspections

Insurance adjusters often spend only 15-30 minutes on roof inspections, missing critical damage that requires detailed assessment.

Repair vs. Replace

Companies often recommend repairs instead of replacement, even when replacement is more appropriate and cost-effective long-term.

Depreciation Tactics

Insurance companies may apply excessive depreciation or claim that damage is due to normal wear and tear rather than covered events.

Denied Roof Claim Success Story

How we turned a complete denial into a $42,500 settlement.

$0

Insurance Company's Initial Response

CLAIM DENIED

$42,500

Final Settlement We Secured

CLAIM APPROVED

100%

Coverage for Full Roof Replacement

"My roof claim was completely denied. Public FL Adjusters got it approved and secured a $42,500 settlement for full roof replacement!"
— Lisa T., Tampa

Roof Damage Claims FAQ

Common questions about roof and wind damage insurance claims.

Don't Let Your Roof Damage Claim Be Underpaid

Roof damage can be more extensive than it appears. Get a professional assessment to ensure your claim covers all necessary repairs or replacement.

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