Florida homeowners know the drill: storm season arrives and suddenly you are staring at missing shingles or a leaking ceiling. Filing a roof insurance claim in Florida can feel overwhelming. At Home Pros Roofing and Contracting, we have helped hundreds of Central Florida homeowners navigate the insurance claims process after hurricanes, tropical storms, and severe thunderstorms. Call us at 407-766-4388 for a free inspection.
Step 1: Document the Damage Immediately
The moment it is safe after a storm, document everything. Photograph missing or cracked shingles, dents on gutters, interior water stains, and any visible holes or structural damage from multiple angles. Do NOT make permanent repairs before your adjuster inspects — but do apply temporary tarps, as these costs are typically reimbursable.
Step 2: Review Your Homeowner Policy
Before calling your insurer, review your policy. Florida policies often carry a separate hurricane deductible (2-5% of insured value). Know whether you have Replacement Cost Value (RCV) or Actual Cash Value (ACV) coverage — RCV pays for a new roof while ACV accounts for depreciation. Check your filing deadline: Florida law generally requires claims within one year for sinkholes and three years for other property damage.
Step 3: File Your Claim and Get an Independent Inspection
Call your insurance company as soon as possible. Record your claim number and every contact name. Then — before the adjuster arrives — schedule a free inspection with Home Pros. Our licensed team (CGC1527172, CCC1332789) documents damage thoroughly in writing, giving you an independent assessment to present alongside the adjuster. This single step regularly results in higher payouts. Call 407-766-4388 to schedule.
Step 4: Meet the Adjuster and Review the Settlement
Be present during the adjuster inspection. Walk the property together and share your photos and contractor assessment. Review the settlement offer carefully — watch for undervalued scope, excessive depreciation, or missing items like gutters and flashing. If the offer is too low, you can negotiate using our written estimate as a counter-reference.
What Home Pros Handles for You
- Free storm damage inspection and written documentation
- Detailed estimate aligned with insurance scope
- Direct communication with your adjuster
- Emergency tarping with receipts for reimbursement
- Full roof repair or replacement once claim is approved
- Final inspections meeting Florida Building Code requirements
Florida-Specific Tips
Hurricane deductibles are separate from your standard deductible and are typically much higher. Know your number before storm season. Beware AOB scams — never sign an Assignment of Benefits agreement with an unsolicited contractor. Permits are required for all roof replacements in Florida — contractors who offer to skip permits create serious liability.
Home Pros Roofing and Contracting has served Apopka and all of Central Florida for over 10 years with 155+ five-star Google reviews. Call 407-766-4388 for your free storm damage inspection today.