A roof inspection for insurance in Florida is a dated walk of the roof with photos you can hand to a carrier. It records condition before a storm, after a storm, or when a renewal letter asks about roof age. It is not a four-point inspection and it is not us filing your claim.
True Roofers does the roof walk under license CCC1332725. Lakeland office: 2829 Badger Rd #19. The inspection is free. You get the file. You send it. We do not file the claim or adjust it.
What goes in the file
The field: shingles, tile, or panels, plus valleys and ridge caps. Flashing and pipe boots. Attic and ceilings for stains, rot, or daylight through the deck. Remaining useful life, in writing, when age is the question.
Most houses take 45 to 60 minutes. Steep tile and a full attic walk run longer. You do not have to be home for the roof. Interior checks go faster if someone can let us in.
That packet is what people mean by a roof inspection for insurance. Specialty products are separate. A wind mitigation inspection and a four-point are ordered through your insurer or agent and done by a licensed inspector, not by your roofer.
When Lakeland homeowners ask for it
Before hurricane season. A spring date on the photos is the record of what the roof looked like. After a named storm, that date is what stops a “pre-existing” argument.
After a cell or a named storm. We photograph the opening, the field, and any interior stain. If the deck is open tonight, that is emergency roof repair and often roof tarping first. The insurance file is the same visit or the next daylight walk.
When the letter says the roof is too old. That is the 15 year roof rule in Florida. The inspection is the document. If more than 25% of a section is damaged, code can force that section up. That math is on the 25% roofing rule.
Roof inspection, four-point, and wind mitigation
People book the wrong inspection and then the carrier sends the packet back.
A roof inspection for insurance is the dated walk described above. Photos, condition, and remaining useful life when age is the question. True Roofers does that walk. You keep the file.
A four-point inspection covers roof, electrical, plumbing, and HVAC. Insurers order it on older houses, often at purchase or renewal. A roofer does not sign the electrical or the plumbing. If the letter says four-point, ask the agent who is allowed to perform it.
A wind mitigation inspection is the form that can change a wind premium. It records roof shape, roof deck attachment, secondary water resistance, and opening protection. It is a specific form, not a stack of storm photos. Order it through the path your insurer names.
If the letter only asks how old the roof is and whether it has life left, start with the roof inspection. If it names a form number, match the form.
What the carrier usually wants in the packet
Date of the walk. Address. Photos of each slope, the ridge, valleys, pipe boots, and any interior stain. A written line on remaining useful life when the fight is age. The license number of the company that walked it, CCC1332725, so the file is tied to a contractor they can look up.
Send the packet as one set. A text thread of fourteen photos is hard for an adjuster to file. A tarp receipt belongs in the same folder. It documents the temporary cover. It does not approve a replacement. Your insurer decides coverage.
What we do not do
We do not file the claim. We do not argue with the adjuster. We do not act as a public adjuster. Florida draws that line. We stay on the roof, the photos, and the written scope.
If the leak is a boot or a flashing run and the house is dry, that is roof leak repair. If a plane is stripped, that is roof repair or roof replacement after we measure the section.
When to book it, and what we hand you the same day
Book it in the spring if you want a “before” date on file. A named storm in August is a bad time to discover you have no photos from May. Book it the week a renewal letter arrives if the only complaint is age. Book it the day after a cell if you have a stain, missing shingles, or a limb on the deck. Water already inside is the 24/7 line, not a calendar slot.
The same-day packet is short on purpose. Address, date, license CCC1332725, photos of each slope we could walk, notes on flashing and boots, any interior stain we were let in to see, and a written line on remaining useful life when that was the question. We do not attach a coverage opinion. Your carrier reads the file and decides.
If the walk finds an active opening, the packet and the repair estimate can be the same visit. The estimate is a separate page from the condition notes, so you can send the photos without sending a price you have not approved.
How to use the file
Keep the written findings and the photos together. Send them when the carrier asks. A tarp receipt is not a replacement approval. An inspection date is not a coverage decision. Your insurer decides.
For the hire page in town, use roofers in Lakeland. Plant City HQ is Plant City roofing.
Call (813) 800-1800, or the 24/7 inspection line (863) 880-2041 if water is already inside. Lakeland office line: (863) 624-6590.
License CCC1332725. 4.9 stars on Google, 240+ reviews. 12+ years on these roofs.
