Filing a roof insurance claim in Florida is more complicated than most homeowners expect. Insurance companies often minimize payouts on first assessment.

Step 1: Document Everything Immediately

Before touching anything, photograph and video every area of damage — the roof surface, gutters, fascia, soffits, and any interior damage. Use timestamps.

Step 2: Prevent Further Damage (But Don't Repair Yet)

You're legally required to mitigate further damage — cover the area with a tarp if rain is entering. But do NOT make permanent repairs before an adjuster inspects.

Step 3: Call a Licensed Roofing Contractor Before the Adjuster

Have a licensed roofer inspect the damage and prepare a written damage report before the insurance adjuster arrives. The adjuster represents the insurance company's interests. Your roofer represents yours.

Step 4: File the Claim Promptly

Florida law requires homeowners to report claims within a reasonable time. For hurricane damage, file within 3 years of the storm date.

Step 5: Be Present for the Adjuster Inspection

Never let an adjuster inspect alone. Walk with them and point out every area of damage your roofer identified. Bring your contractor's written damage report.

Pro-Tech Assists With Insurance Claims

We document damage thoroughly, prepare professional reports, and work directly with your adjuster. Our goal is to make sure you get a fair settlement.