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Roof Insurance Claim Photos in Lakeland and Plant City

Storm damage photos and a written condition report for your carrier. True Roofers documents the roof. You file the claim. We do not file or adjust it.

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Roof Insurance Claims by True Roofers in Central Florida

Roof Insurance Claim Photos in Lakeland and Plant City

A storm hits the roof. You need a file for your carrier, not a contractor who files the claim for you. True Roofers inspects, photographs, and writes the condition of the roof. You send that to your insurer.

We do not file the claim, argue with the adjuster, or act as a public adjuster. Florida law draws that line (Fla. Stat. 489.147 and 626.854). We stay on our side: the roof, the photos, the written scope.

Lakeland first. Plant City HQ, Wesley Chapel, Winter Haven, Auburndale, and Davenport get the same crew. License CCC1332725. Call (813) 800-1800.

Assessing Roof Damage in Central Florida

There are different types of damage that you will want to keep an eye out for after an incident:

What We Put in Your Claim File

Coverage depends on the cause of the damage and on your policy. Age, wear, and skipped maintenance can cut what the carrier pays. We do not read the policy for you and we do not file.

Here is what we do on a Lakeland or Plant City storm call:

  1. Full roof and attic inspection
  2. Photos of the damage, dated
  3. Written condition notes you can attach to your claim
  4. A price for the repair or replacement, in writing, before we tear off

Common Causes of Roof Damage in Central Florida

Most policies cover sudden storm, hurricane, hail, tree, or fire damage. Wear and age are harder. Ask your carrier. Common causes we photograph in Central Florida include:

  • Storms and hurricanes
  • Hail
  • Tree damage
  • Fire

Determining Whether to Repair or Replace Your Roof

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 inspect, we tell you if it is a patch, a section, or a replacement conversation. That write-up is what you hand your carrier.

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.

Schedule Routine Roof Inspections to Avoid Future Insurance Headaches

Pre-existing damage can be one reason for claim denial. Inspections can be valuable for future claims because you will have written proof that there was no pre-existing damage. Take before and after pictures for comparison. Our roofing experts can come out, complete an inspection, and plan for any repairs.

Has the roof been hit? Call for a free inspection. You get photos and a written report. You file. Call (813) 800-1800.

Roof Insurance Claims Across Central Florida

Local crews dispatched from Lakeland, Plant City, and Auburndale:

Need roof insurance claims in Central Florida?

Three offices across Central Florida: Lakeland, Plant City (headquarters), and Auburndale. We serve homeowners and businesses throughout Polk, eastern Hillsborough, and Pasco counties.

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FAQ

Roof Insurance Claims. FAQs

Common questions homeowners ask before booking.

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?
Florida building code can require a whole section to current code if more than 25% of that section is repaired in 12 months. That is a code rule, not a promise from your carrier. We measure the section and put it in writing. You send that to your insurer.
What can cause a roof insurance claim to be denied?
Common reasons include pre-existing damage, skipped maintenance, damage from a non-covered event, and policy exclusions. A dated inspection before the storm is the record that shows what the roof looked like. We take that inspection. We do not file the claim.
Does True Roofers file my insurance claim?
No. We photograph the roof and give you a written condition report. You file with your carrier. We do not file the claim, argue with the adjuster, or act as a public adjuster.
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