Does homeowner’s insurance cover the cost of a new roof, and how does the roof claims process work?

During insurance roof claims your insurance can cover the cost, but it depends on the cause of the damage. Generally, homeowner’s insurance covers damage from sudden, accidental events like hail, wind, and fallen trees. It does not cover damage due to normal wear and tear or neglect. If you suspect storm damage, the roof claims process is simple:

1. Contact Us First: We’ll perform a free, no-obligation inspection to confirm qualifying damage.

2. File the Claim: We can then guide you on what information to provide to your adjuster.

3. Meet the Adjuster: We’ll meet with your insurance adjuster to ensure all damage is properly noted and nothing is missed, streamlining your path to approval.

4. Negotiate Repairs: Insurance adjusters are trained to find the least expensive route to fix a problem, but often that doesn’t equate to making a homeowner whole again. This is the most important part of the claim and where Creative Roofing Tampa shines. We will ensure that we exhaust all resources including utilizing the latest Florida codes and statutes to create an argument for why your roofing system needs replaced, and also provide the required documentation such as Itel reports and attempt to repair photos.

3. Repair: Depending on the results of your claim, we will then complete all required repairs to Florida Building Code standards.