Reviewed November 5, 2026. Florida property-claim guidance. Coverage and code requirements depend on the policy, the damage, the roof’s history and the applicable permitting rules.
A specialty roof, a disputed cause of damage or an estimate that overlooks interior repairs can make an Orlando property claim difficult to manage. Experienced Public Adjusters helps owners document the loss and present a supported claim. Call (407) 203-9948 to discuss your roof claim.
Review the roof as part of the whole property
Clay or concrete tile, slate, metal and asphalt shingles have different construction and repair requirements. A useful claim identifies the actual product and damaged areas instead of treating every roof as a standard shingle replacement. Where a storm also caused water entry, the assessment should include supported interior damage and reasonable emergency work.
For a luxury residence, useful records include original specifications, installation invoices, roof permits, photographs and product information for custom interior finishes. Document damage to associated components only where it is supported by the facts. The same care applies to condominium or HOA master-policy claims involving shared roofing.
Use the right expert for each question
A roofing contractor evaluates construction and repair methods. An engineer may be needed to address structural conditions or disputed causation. Restoration specialists assess affected interior materials within their qualifications. We organize the claim, prepare an estimate and communicate with the insurer as the policyholder’s public adjuster.
Material brittleness alone does not establish storm causation. A repairability assessment should explain its methods and limitations. It is not a promise that an insurer must replace an entire roof.
Apply current Florida requirements
Roof replacement cannot be decided from a damaged percentage alone. The 25% roof rule has a statutory exception for qualifying roof systems or sections that comply with the 2007 Florida Building Code or later. Matching, material availability and applicable permit requirements also need to be evaluated under their actual terms. The policy determines coverage and payment.
Bring these documents to a claim review
- The policy, endorsements and claim number, if a claim is open.
- The insurer’s estimate, payment explanation or denial letter.
- Roofing or engineering reports, photographs and repair proposals.
- Emergency-work receipts and relevant roof maintenance records.
Report damage promptly and take safe steps to protect the property. Our Orlando headquarters is at 4555 Hoffner Avenue. Visit our office directory for additional locations and contact details.
Primary references: Florida Statutes §553.844(5), §626.9744 (homeowners’ repair and matching requirements), and the Florida Building Commission.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
A live person answers our main line 24/7, including holidays. Call (888) 881-8416 to start your free initial claim review.
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Serving Naples, Tampa, Orlando, Daytona Beach and surrounding communities. Find our offices and service areas.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.