How Do Roofing Insurance Claims Work in Florida?
Hurricane Heroes is a South Florida-based home improvement brand specializing in roofing, impact windows, and solar energy installations through its divisions Hurricane Heroes Roofing & Impact Windows and Solar Heroes. It provides storm protection and clean energy solutions across Boca Raton, Hollywood, and surrounding South Florida areas.
Hurricane Heroes Roofing, Solar, And Impact Windows
1700 N Dixie Hwy Ste 120
Boca Raton, FL 33432-1807
When a storm hits in Florida, your roof often bears the brunt. Strong winds, hail, and flying debris can tear shingles, damage flashing, and cause interior leaks. Fortunately, most Florida homeowners insurance policies include coverage for storm-related roof damage — but navigating a claim isn’t always simple.
Whether you're in Miami, Fort Lauderdale, or Jupiter, here’s a step-by-step breakdown of how roofing insurance claims work in Florida, and how Hurricane Heroes supports you through every part of the process.
Step 1: Identify Roof Damage After a Storm
The first step is recognizing that damage may exist. This includes visible signs like missing shingles, leaks, or ceiling stains — but also less obvious issues like lifted tiles or flashing that's been compromised.
If you're unsure, schedule a free inspection with Hurricane Heroes. We inspect homes across Coral Springs, Davie, and Lake Worth after every major storm, often finding issues homeowners didn’t even know were there.
Step 2: Schedule a Professional Roof Inspection
Insurance companies require proof of damage. We send a licensed roofing expert to assess your roof, document storm-related damage, and provide detailed photos and notes. We serve homeowners in Weston, Boynton Beach, Cutler Bay, and more — ensuring the inspection meets insurer standards.
Step 3: Review Your Insurance Policy
Understanding your deductible, policy coverage, and exclusions is critical. In Florida, many policies include separate hurricane deductibles or limit coverage based on roof age. For example, a 20-year-old roof in Lauderhill may be reimbursed at actual cash value rather than full replacement cost.
We help our clients in Pembroke Pines, Pinecrest, and North Miami understand their policy terms before filing.
Step 4: File the Claim with Your Insurance Provider
Once we confirm storm damage, it’s time to notify your insurer. You can typically file a claim online or by phone. You'll receive a claim number and may be asked to submit the roof report and supporting images.
Our team assists with documentation and works alongside homeowners in Hialeah Gardens, Palm Springs, and Golden Beach to ensure your claim is filed correctly and promptly.
Step 5: Insurance Adjuster Visits the Property
The insurance company will send an adjuster to inspect the roof. Hurricane Heroes coordinates directly with the adjuster to explain our findings and provide all the necessary reports. This step is crucial — and having an expert present often improves the accuracy of the claim outcome.
We've helped roofing company florida clients across Hollywood, Wilton Manors, and Delray Beach advocate for fair assessments based on Florida code and local weather impact.
Step 6: Claim Approval and Scope of Work
If the adjuster agrees with the scope of damage, they’ll issue an approval letter along with a detailed breakdown of approved work and costs. This includes materials, labor, and any code-mandated upgrades.
In some cities like North Bay Village, Coral Gables, or Wellington, permit-related costs and specific code upgrades are also covered depending on your policy.
Step 7: Roof Replacement or Repair Begins
Once approved, Hurricane Heroes schedules your roof repair or replacement. We pull all required permits, coordinate materials, and handle inspections. Most jobs across Tamarac, Riviera Beach, or South Miami are completed in just 1–3 days depending on size and weather.
Step 8: Payment and Documentation
Insurance payments are often issued in phases — an initial payment and a final payment after work completion and inspection. We help homeowners submit documentation and final invoices to close the claim.
Many of our clients in Westlake, Ocean Ridge, and Miami Shores use this final documentation for mortgage servicer releases or HOA requirements.
What If My Claim Is Denied?
If your claim is denied or only partially covered, you still have options. We help review denial letters, provide supplementary documentation, and if needed, refer you to public adjusters who serve Manalapan, Royal Palm Beach, and South Bay.
Florida Insurance Deadlines You Should Know
As of current state law, you generally have 1–2 years from the date of loss to file a property insurance claim for hurricane Hurricane Heroes Roofing, Solar, And Impact Windows or windstorm damage. It’s critical not to delay inspections or claim filing. We monitor changes in regulations and keep our clients in Margate, Virginia Gardens, and Medley informed and protected.
Let Hurricane Heroes Handle It All
We’ve helped thousands of homeowners across South Florida — including Juno Beach, Opa-locka, Aventura, and Greenacres — navigate roof insurance claims from start to finish. From storm inspection to final inspection, we simplify the process and advocate for your best interest.
Call (954) 800-0570 today for a free storm damage inspection. We’ll evaluate your roof, guide your insurance claim, and restore your home safely and efficiently — all while staying compliant with Florida’s strict roofing codes.