Florida Roof Damage

Most homeowners insurance policies won t pay to replace or.

Florida roof damage.

For south florida homeowners the threat of roof damage is a persistent concern. Roof damages greater than 25 if more than 25 of the roof is damaged by covered events then the rule entitles you to a complete replacement of the roofing system with a few exceptions. The rule applies to roof repair of any commercial or residential building. If your roof is damaged take a set of after photos to document the damage and submit it to your insurance company.

More extensive damage or even a total loss will require you to work with your insurance company which includes taking steps like providing proof of the roof damage this is where your before and after photo and video documentation will be super handy measurements of the roof and damaged areas the event s that caused the damage and the. Most homeowners insurance policies cover roof replacement if the damage is the result of an act of nature or sudden accidental event. The 2014 florida existing building code the code contains what is conventionally called the 25 percent rule the rule. Also normal wear and tear over time requires that roofs be replaced.

When seeking coverage under your homeowner s insurance policy for roof damage it is important to be aware of one unique aspect of florida s building code. Whether you have small areas of damage or if your entire roof is old you need to learn about florida roofing laws. If your roof is more than 10 years old you may want to hire a roof inspector who can check for any damage and areas that need repair. From downed trees to tropical storms and hurricanes all types of natural hazards can cause leaks damage and total destruction.

However far too often florida homeowners are unpleasantly surprised and disappointed when their roof damage claims are denied. In 2018 the state of florida suffered a total of 42 significant hail storms according to the national oceanic and atmospheric administration while over 4 600 hail storms occurred across the country there s no doubt that cities like melbourne miami cape coral wellington and lynn haven have seen significant damage to their homes as a result of these storms. Take photos of your roof so you have them on file in case of any damage. In florida which annually experiences hurricanes and serious storms it is common for homeowners and business owners to experience roof damage.