We Handle Your Roof Insurance Claim So You Do Not Have To
Our roofing experts understand what it takes to make sure your insurance covers roofing repairs and replacement. We handle your insurance claims for you in Central Florida.
Avoid the hassle of dealing with insurance claims—let True Roofers take care of it. If your roof has suffered damage recently, you may be able to file an insurance claim. This process can be particularly draining and time-intensive if you’re not familiar with the process. True Roofers specializes in handling insurance claims for residential and commercial roofing issues. We work for you to make sure you get the coverage you deserve.
From roof repairs to roof replacement, we’ll tackle the insurance claims process for your Wesley Chapel, Plant City, or nearby area residential or commercial property.
Assessing Roof Damage in Central Florida
There are different types of damage that you’ll want to keep an eye out for after an incident:
- Loose/missing shingles
- Damaged gutters
- Damaged flashing
True Roofers Will Navigate Your Insurance Policy to Find the Ideal Solution for Your Home or Business in Central Florida
When it comes to roof damage, insurance policies often cover costs based on the cause of damage. Some damages may not be covered (or only partially covered), and there may be specific policy guidelines regarding roof replacement.
We first conduct an assessment of the damage and review your insurance policy, then we file your claim for you. It’s our goal to make sure you maximize your policy. Let’s look at some causes of roof damage in Central Florida:
- Storms and hurricanes
- Hail
- Tree Damage
- Fire
Most insurance policies cover roof repairs and replacement for damage brought on by hurricanes, and other “acts of God,” but we’re seeing more and more policies that are trying to limit coverage. We can help you navigate your policy.
Determining Whether to Repair or Replace Your Roof is Done by Our Professionals
Depending on how much damage there is, you will need to consider replacing versus repairing. Insurance policies outline the scope of coverage and exclusions. For example, if more than 25% of a roof needs to be repaired over a 12-month period, the entire roof might need to be replaced. When we come out and do our assessment, we can help determine the extent of the damage.
The Age of Your Roof Can Affect Your Insurance Claim
Insurance policies often have different levels of coverage depending on your roof’s age. For example, if your roof is on the older end of its estimated lifespan and you experience damage, your policy may only partially cover a roof replacement. There may be total exclusions based on age as well.
Frequently Asked Questions
What types of roof damage are covered by homeowners’ insurance?
Homeowners insurance typically covers roof damage caused by storms, hurricanes, hail, fire, and fallen trees. Damage caused by neglect, wear and tear, or pre-existing conditions may not be covered or may only be partially covered.
How does roof age affect my insurance claim?
Insurance policies often have different levels of coverage depending on your roof’s age. If your roof is near the end of its estimated lifespan and experiences damage, your policy may only partially cover a replacement or apply depreciation. Total exclusions based on age are also possible.
When does insurance require a full roof replacement instead of repair?
If more than 25% of a roof needs to be repaired over 12 months, the entire roof may need to be replaced under most insurance policy guidelines. True Roofers assesses the damage and determines the correct scope for your claim.
What can cause a roof insurance claim to be denied?
Common reasons for claim denial include pre-existing damage, neglected maintenance, damage from non-covered events, and policy exclusions. A documented roof inspection before damage occurs provides written proof of your roof’s prior condition.
Does True Roofers handle the insurance claim process for me?
Yes. True Roofers specializes in handling roofing insurance claims for residential and commercial properties throughout Central Florida. We work on your behalf from initial inspection through claim resolution to help you receive the maximum coverage you are entitled to.
Schedule Routine Roof Inspections to Avoid Future Insurance Headaches
Pre-existing damage can be one reason for claim denial. Inspections can be valuable in terms of future claims because you’ll have written proof that there was no pre-existing damage. Take before and after pictures for comparison. Our roofing experts can come out and complete an inspection and plan for any repairs.
Has Your Roof Been Damaged Recently? Schedule an Inspection with True Roofers.
Call a reputable roofing company like True Roofers for an inspection if you think your roof is damaged. We will help guide you through the insurance claim process and help you get as much reimbursement as possible. Call us today at (813) 800-1800.