In some situations, yes. If storm damage is significant enough — and depending on your policy, deductible, roof age, and applicable building-code requirements — your insurance may help cover far more than a simple spot repair.
Insurance companies evaluate several variables when reviewing a claim. The age and condition of your roof at the time of the storm matters. Many policies cover roofs on an actual cash value basis once they reach a certain age, meaning depreciation is factored in. Others provide replacement cost value, which covers the full cost of a new roof of like kind and quality.
The cause of damage also plays a significant role. Wind and hail damage from a named storm or a sudden event are typically covered perils. Wear and tear from years of deferred maintenance generally is not.
Florida's building codes can require that when a certain percentage of a roof is damaged or repaired, the entire roof must be brought up to current code standards. This can sometimes mean that what appeared to be a partial repair situation becomes a full replacement — a cost that may fall under your insurance coverage.
We inspect your roof thoroughly and document everything we find. We give you a clear, honest picture of your roof's condition and help you understand what questions to ask your insurance carrier. We don't file claims for you — but we make sure you have the information you need to make a confident, informed decision.
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Schedule a free, no-obligation roof inspection and we'll walk you through everything we find.
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