How to File a Roof Insurance Claim After a Hurricane

After a hurricane sweeps through South Florida, dealing with roof damage is stressful enough without the added complexity of navigating insurance claims. Understanding the process beforehand can save you time, money, and frustration.

Step 1: Document Everything

As soon as it is safe to do so, document all damage thoroughly. Take photos and videos from multiple angles, including close-ups of specific damage and wide shots showing the overall scope. Keep all damaged materials until your insurance adjuster has inspected them.

Step 2: Review Your Policy

Before filing your claim, review your homeowner's insurance policy. Understand your deductible (Florida often has separate hurricane deductibles, typically 2-5% of your home's insured value), what's covered, and any time limitations for filing.

Step 3: Contact Your Insurance Company

Report the damage to your insurance company as soon as possible. Most Florida policies require prompt notification. Have your policy number ready and provide a clear description of the damage.

Step 4: Prevent Further Damage

You have a duty to mitigate further damage. This means making temporary repairs like tarping exposed areas. Keep all receipts for materials and labor — these costs are typically reimbursable under your policy.

Step 5: Get a Professional Assessment

Before the insurance adjuster visits, hire a licensed roofing contractor to provide an independent damage assessment. This report serves as valuable leverage if there's a dispute over the scope of damage. At Extreme Roofing Inc., we provide detailed damage assessments and work directly with insurance companies to ensure our clients receive fair compensation.

Step 6: Be Present for the Adjuster's Visit

When the insurance adjuster inspects your property, be present and walk them through all areas of damage. Having your contractor's report on hand ensures nothing is overlooked.

Need Help With Your Claim?

At Extreme Roofing Inc., we've helped thousands of South Florida homeowners navigate the insurance claims process. Call us at 305-225-1534 — we'll provide a free damage assessment and guide you through every step.