Roof Insurance Claims

After a storm in Lakeland, FL, write down the date, photograph damage from the ground, and record ceiling stains or wet insulation. Call your insurer early: coverage depends on the policy, and the insurer decides. This site gives no insurance or legal advice. Stay off a wet or damaged roof.

How a contractor helps
A roofing contractor may inspect the roof, photograph damaged shingles and flashing, measure the roof, and write an estimate listing tear-off, decking, underlayment and materials that the adjuster can review.

Know the deductible law
Florida law (section 489.147, Florida Statutes) bars contractors from offering to waive a deductible, or a gift or cash, for a roof inspection or claim.

Call about a roof insurance claim and describe the damage, the storm date and claim status.