Severe storms and hurricanes are a fact of life in Florida. 🌴
If your home or business has suffered roof damage after a storm, acting fast and documenting your loss properly can make all the difference in your insurance settlement.
As a Florida Public Adjuster Apprentice, I’ve seen many property owners lose out on thousands simply because they didn’t document the damage correctly. Here’s how to protect yourself and maximize your roof insurance claim. 📝
🧐 Step 1: Inspect Safely
Your safety comes first!
After the storm passes:
- Look for missing shingles, tiles, or flashing 🏠
- Check for debris or fallen tree limbs on the roof 🌳
- Inspect ceilings and walls inside for water stains 💧
- Take plenty of photos and videos from the ground — do not climb a damaged roof
Tip: If you can’t safely access the roof, hire a professional inspector or public adjuster to help.
📸 Step 2: Document Everything
Insurance companies require proof of loss.
Be sure to document:
- Close-up photos of damaged areas
- Wide shots showing the full scope of the roof
- Date-stamped images
- Photos of water intrusion, damaged gutters, vents, or interior leaks
Bonus: Keep any repair estimates, contractor reports, and receipts organized for your claim file.
📝 Step 3: Review Your Insurance Policy
Know your coverage!
Most Florida homeowner policies cover wind and storm damage, but may exclude or limit coverage for older roofs or wear and tear.
Check for:
- Deductibles (including hurricane deductibles)
- Policy exclusions
- Time limits for filing your claim
If you’re unsure, a public adjuster can review the policy and explain it in plain language. 📖
📞 Step 4: Contact a Public Adjuster
Before filing directly with your insurer, consider consulting a licensed Public Adjuster (PA).
A PA represents you, not the insurance company.
They will:
- Conduct a professional roof inspection
- Prepare a detailed loss estimate using industry tools like Xactimate®
- Help you file and manage the claim
- Negotiate on your behalf for a fair settlement
As a Licensed Public Adjuster Apprentice under the supervision of Jacob Moss at Florida State Public Adjusters, Inc., I assist homeowners and business owners across Florida in navigating this process — always under licensed supervision.
📋 Step 5: File Your Claim Promptly
Florida law requires homeowners to file property claims within certain time limits (usually within 1–2 years of the loss, depending on the policy and event).
Don’t delay!
When filing:
- Provide your full documentation package
- Stay organized and communicate in writing with your insurer
- Request a written claim decision
If your claim is denied or underpaid, you can reopen it with additional documentation or hire a public adjuster to advocate for you. 🏛️
✅ Key Takeaways
| 💥 After Storm Damage | ✔️ What You Should Do |
|---|---|
| Storm damaged your roof? | Stay safe and document damage |
| Unsure what’s covered? | Review your policy or ask a PA |
| Denied or low settlement? | Call a public adjuster for help |
| Need help filing? | Get professional support upfront |
Need Help With Your Storm Damage Claim?
If your Florida property has suffered roof damage after a storm, don’t leave money on the table.
I offer free, no-obligation claim reviews under the supervision of a licensed Public Adjuster.
👉 We represent YOU — not the insurance company.
📞 Contact Mike — Start Your Free Claim Review
Think you have a valid insurance claim? Let’s take a closer look.
I offer free, no-obligation claim reviews for homeowners and business owners across Florida.
As a licensed Public Adjuster Apprentice FL DHS 3120 Lic.#G232590, I work under the supervision of Jacob Moss PA at Florida State Public Adjusters, Inc. All inspections, documentation, and insurance communications are performed under licensed supervision, in full compliance with Florida law.
💬 Let’s Connect:
📞 Call or Text: (754) 223-0959
📧 Email: [email protected]
🌐 Or complete our Free Claim Review Form
We’re here to help — before you call your insurance company.
“We represent policyholders, not insurance companies.”
I am a Licensed Public Adjuster Apprentice in Florida under the supervision of Jacob Moss at Florida State Public Adjusters, Inc. I bring over 20 years of experience in construction project management and disaster recovery. As a Senior Project Manager with the U.S. General Services Administration (GSA), I led major federal building renovations and infrastructure upgrades. With the U.S. Small Business Administration (SBA), I conducted over 500 disaster damage assessments after major hurricanes. I now assist Florida property owners in documenting losses and preparing insurance claims to help secure fair settlements under licensed supervision.