Florida Roof Damage

Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event.

Florida roof damage.

Most homeowners expect that their insurance policies will cover the damage and this may be true. When seeking coverage under your homeowner s insurance policy for roof damage it is important to be aware of one unique aspect of florida s building code. Whether you have small areas of damage or if your entire roof is old you need to learn about florida roofing laws. If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair.

To help better explain how the florida 25 rule can affect roof damage claims let s review some different cases and how the rule would be applied. However far too often florida homeowners are unpleasantly surprised and disappointed when their roof damage claims are denied. For south florida homeowners the threat of roof damage is a persistent concern. In 2018 the state of florida suffered a total of 42 significant hail storms according to the national oceanic and atmospheric administration while over 4 600 hail storms occurred across the country there s no doubt that cities like melbourne miami cape coral wellington and lynn haven have seen significant damage to their homes as a result of these storms.

In florida which annually experiences hurricanes and serious storms it is common for homeowners and business owners to experience roof damage. More extensive damage or even a total loss will require you to work with your insurance company which includes taking steps like providing proof of the roof damage this is where your before and after photo and video documentation will be super handy measurements of the roof and damaged areas the event s that caused the damage and the. Take photos of your roof so you have them on file in case of any damage. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.

Roof damages greater than 25 if more than 25 of the roof is damaged by covered events then the rule entitles you to a complete replacement of the roofing system with a few exceptions. Most homeowners insurance policies won t pay to replace or. The 2014 florida existing building code the code contains what is conventionally called the 25 percent rule the rule. Wherever the damage occurs it is important to get it repaired as soon as possible to avoid further damage to your home.