Roof Insurance Claim Help in Miami, FL
After a storm, a well-documented roof claim makes everything easier. We inspect and photograph the damage, write a detailed repair scope, meet your adjuster on the roof, and do the repair to Miami-Dade code, all within the rules Florida sets for contractors.
Our job is the roof. Here's what that looks like during a claim.
Damage inspection
A full post-storm inspection with photos of every damaged area.
Written repair scope
A line-by-line scope of the work and what it costs.
Adjuster meeting
We meet your adjuster on the roof and show them the documented damage.
Code requirements
We explain what HVHZ code and, for older homes, the 25% rule require, since that affects the true cost.
The repair itself
Our own crew does the work after the claim settles, with permits handled.
Honest advice
If the damage is under your deductible, we'll say so.
Florida law sets clear limits for contractors in a claim. We follow them.
What we do
- Inspect and document roof damage with photos.
- Write a detailed repair scope and estimate.
- Walk the roof with your adjuster.
- Complete the repair to code once the claim is settled.
What we don't do
- Negotiate your claim or interpret your policy. That's for you, your attorney, or a licensed public adjuster.
- Offer gifts, cash, or deductible waivers.
- Push you into a claim you don't need.
▼ Watch the deadlines
Florida has shortened the deadlines to report new claims after a storm. Report damage to your insurer as soon as possible, and check your policy for the exact deadline and your hurricane deductible, which is often a percentage of your dwelling coverage.
Report the damage
Open a claim with your insurer and get a claim number.
We inspect and document
Photos and a written scope of damage and repair.
Adjuster inspection
Your insurer's adjuster inspects. We can meet them on the roof.
Settlement and repair
Once settled, we schedule the work and handle permits with the City of Miami.
Should I file a claim for roof damage in Miami?
It depends on the damage and your deductible. Hurricane deductibles are often a percentage of dwelling coverage, so smaller repairs may cost less out of pocket. We give you an honest estimate first.
Can you deal with my insurance company for me?
We can meet the adjuster and present our documentation. Florida law doesn't allow contractors to negotiate claims or interpret policies. For that, work with an attorney or a licensed public adjuster.
Does code upgrade cost get covered?
Many policies include some coverage for code upgrades (often called ordinance or law coverage), but limits vary. Check your policy. Our scope shows which items are code-required.
Do you waive deductibles?
No. Florida law prohibits it, and we don't do it.
What if my claim is denied?
Get the reason in writing. Our documentation can support an appeal. For legal advice, talk to an attorney or a licensed public adjuster.
Storm Damage on Your Miami Roof?
Free inspection and documentation before you file.
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