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.
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.
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.
