Living in Florida carries its own set of trials, and one of them is making sure your roof stands up to the state’s frequent storms. But even with a roof that you know has been installed correctly and maintained well over time, there can be unexpected damage due to wind or hail. When this happens, it’s important to understand what kind of roof damage is covered by home insurance so you can make sure any needed repairs are taken care of quickly without breaking the bank.

From deductibles on comprehensive coverage for hurricane damage to determining who pays for missing shingles after a strong storm, these details are crucial for anyone living in Florida covering their largest investment—their home.

If you have a denied roof damage claim, or are looking to make sure you’re adequately covered in the future, we recommend contacting our team at Herman & Wells. Our experienced insurance dispute attorneys can help you get the payout you deserve for your roof damage.

A Floridian involved in a motorcycle accident fills out their injury claim form.

The Cliff Notes: Key Takeaways From This Post

  • 1
    Roof damage is common in Florida and is usually the result of storms, hurricanes, or other events.
  • 2
    Homeowners in Florida who are filing a roof damage insurance claim should take the necessary steps to ensure they receive the coverage and compensation they deserve.
  • 3
    Consult with an experienced attorney, gather documentation to support your claim, utilize services from public adjusters, use roof inspection technologies, and select reputable contractors with experience in local regulations.
  • 4
    At Herman & Wells, we specialize in helping Florida homeowners with their roof damage insurance claims and are committed to getting them the coverage they deserve.
  • 5
    Contact us today for a free consultation. Let us help you get the justice you need.

The Fundamentals Of Roof Damage Insurance Coverage In Florida

Roof damage is a serious concern for homeowners in Florida, which means having the right kind of coverage through your homeowners insurance policy is critical. Knowing what’s covered and what’s not can make all the difference if you ever find yourself needing to file a claim due to roof damage.

When it comes to homeowners insurance policies specific to Florida, there are several key terms and definitions to understand, such as “dwelling coverage,” which pays for repairs or rebuilds of the actual structure of your home in case of damage. This includes any attached structures like a garage, deck, or shed that are covered under the same policy. Another important term is “loss of use” coverage, which provides reimbursement for living expenses while you are unable to occupy your home due to roof damage.

It’s also important to be aware of what is not covered under typical dwelling coverage in Florida, such as damage caused by a flood or hurricane. To make sure you have the right level of protection for these kinds of events, it’s best to research and purchase additional specialty coverage outside of your regular homeowners policy.

Understanding Covered Perils For Roof Damage In Florida

When it comes to roof damage claims in Florida, there are several types of covered perils that are typically included under standard homeowner’s policies.

Wind-Related Damage

Storms and high winds can cause significant damage to roofs, so it’s important to understand what kind of coverage you have for wind-related roof damage in Florida. Most homeowners’ policies will cover damage from hurricanes, tropical storms, and high winds in Florida. It’s important to check your specific policy for the exact coverage that applies to wind-related roof damage.

Hail Damage

Hailstorms are common in Florida, so it’s crucial to have adequate coverage for hail-related roof damage. Homeowners’ policies typically include coverage for roof damage caused by hailstorms and other severe weather conditions specific to Florida. It’s important to review your policy to make sure you know exactly what is covered in the event of hail-related roof damage.

Water Damage

Water intrusion can be a major issue for roofs in Florida, so it’s important to make sure you have coverage for water-related roof damage. Most homeowners’ policies cover roof leaks and water intrusion resulting from covered perils such as storms or sudden plumbing issues in Florida. Review your policy to make sure you know the exact coverage that applies to water-related roof damage.

Impact Damage

Falling objects can cause significant roof damage during covered events, including trees, debris, or other external causes. Most homeowners’ policies will cover some or all of the damage caused by falling objects during covered events. Make sure to understand the exact coverage that applies to impact-related roof damage in Florida.