Florida homeowners often ask: “Will my insurance cover my roof replacement?” The answer is—it depends. Insurance policies can be complex, but understanding how they work can save you thousands. Here’s a breakdown of what’s usually covered and how to get your claim approved.
What’s Typically Covered
Insurance generally covers sudden and accidental damage, such as:
- Wind or hail damage
- Storm-related tree impact
- If your roof was in good condition before the incident, and it was damaged by fire or vandalism, your insurer will likely cover repairs or replacement.
What’s Usually Not Covered
Insurance doesn’t cover damage caused by lack of maintenance, age-related wear and tear, or manufacturer defects. If your roof is over 15 years old, coverage may be reduced or denied.
Tips to Maximize Approval Chances
- Take clear photos immediately after a storm
- Don’t wait—report damage promptly
- Schedule a professional inspection and document everything
- Keep records of maintenance and previous repairs
How Jamco Helps
We provide thorough roof inspections and detailed reports that help support your claim. Our team understands how insurers operate and can guide you through the paperwork and process.
Timing Matters
The sooner you file a claim after discovering damage, the better. Florida insurers are stricter than ever, and missing deadlines can void your rights.
Supplemental Claims
Even if you’ve already filed and were denied or underpaid, you may still be able to re-open your claim. Jamco Roofing can assist with reviewing your case.
Need help filing or supplementing a roof claim? Call Jamco Roofing at 954-998-ROOF—we’ll guide you every step of the way.