Protect Your Home Now. Pay Over Time.

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 Filing a roof insurance claim shouldn't feel like a second job. Florida Precision Roofing has helped hundreds of Central Florida homeowners and businesses navigate the insurance claims process after storm damage and get the full coverage they deserve.   

The Good News Section:

Here's what most Florida homeowners don't realize: hail damage and wind damage are covered losses under most homeowners insurance policies. In many cases, your insurance company will pay the entire replacement cost minus your deductible for labor and materials to completely replace your roof.

The problem? Insurance companies aren't in the business of making this easy. That's where we come in.

What We Handle:

We coordinate directly with your insurance company, meet with adjusters on-site, and ensure nothing gets missed or undervalued. Our involvement protects you from two common nightmares: settlements that don't cover your actual costs, or claims that get wrongfully denied.

Florida Precision Roofing specializes in storm-related roof damage repair and replacement, including:

Roof replacement and repair (shingles, tile, metal, flat roofs)

Gutter repair and replacement

Soffit and fascia damage

Interior damage (framing, drywall, insulation) when storms cause leaks

The No-Surprise Promise:

With Florida Precision Roofing, you pay only your insurance deductible—nothing more. We agree to accept what your insurance company pays for the claim and ensure you receive the highest quality repair or replacement. No hidden costs. No surprise bills. No games.

Bonus: Many customers receive complimentary upgrades as part of their project like upgrading from basic 3-tab shingles to premium architectural shingles at no additional charge. 

Q: Does homeowners insurance cover roof replacement?

A: In most cases, yes. If your roof was damaged by a covered event—such as a hurricane, hail storm, wind, or falling debris your homeowners insurance policy typically covers repair or full replacement, minus your deductible. Damage from normal wear and tear or lack of maintenance is usually not covered.

Q: How do I know if my roof has storm damage?

A: Many signs of storm damage aren't visible from the ground. Warning signs include missing or lifted shingles, dents in gutters or vents, granules collecting in downspouts, and water stains on interior ceilings. The safest way to know is a professional inspection which we provide free of charge.

Q: Will filing a roof claim raise my insurance rates?

A: Filing a legitimate storm damage claim typically does not increase your premiums in Florida, as the damage was caused by weather not negligence. However, multiple claims over a short period may affect your rates. We can help you evaluate whether filing makes financial sense for your situation.

Q: What if my insurance claim is denied?

A: Don't panic and don't give up. Many initial denials can be overturned with proper documentation and professional support. We help homeowners appeal denied claims by providing detailed damage reports, meeting with adjusters for re-inspections, and connecting you with public adjusters or insurance attorneys when needed.

Q: How long do I have to file a roof insurance claim in Florida?

A: In Florida, you generally have two years from the date of damage to file a property insurance claim. However, waiting too long can make it harder to prove the damage was storm-related. We recommend scheduling an inspection as soon as possible after a major storm.

Q: Do I need to get multiple estimates for my insurance claim?

A: Your insurance company may suggest getting multiple estimates, but it's not typically required. What matters most is that the estimate accurately reflects the full scope of damage. Our detailed assessments are designed to ensure nothing gets overlooked.

Q: Can I choose my own roofing contractor for an insurance claim?

A: Absolutely. You have the legal right to hire any licensed contractor you choose you are not required to use a contractor recommended by your insurance company. Choose a contractor you trust who will advocate for your interests, not the insurance company's.

Q: What does "Replacement Cost Value" mean on my policy?

A: Replacement Cost Value (RCV) means your insurance pays to replace your roof with materials of similar kind and quality at today's prices without deducting for depreciation. This is the best type of coverage for roof claims. Actual Cash Value (ACV) policies deduct depreciation, which can significantly reduce your payout.

Q: Will I have to pay anything out of pocket besides my deductible?

A: With Florida Precision Roofing, you pay only your deductible. We accept what your insurance company approves for the claim no hidden fees, no surprise charges. If your insurance settlement doesn't cover the full scope of work, we'll work with your insurer to request supplements before starting.

Q: What happens if the adjuster misses damage on my roof?

A: This happens more often than you'd think. Insurance adjusters are often rushed and may overlook damage. We carefully compare the adjuster's report against our own inspection and file supplement requests for any missed items. Our involvement typically results in higher approved amounts for homeowners.

Q: How long does the roof insurance claim process take?

A: The timeline varies, but most straightforward claims are resolved within 2-4 weeks. Factors that affect timing include your insurance company's responsiveness, whether supplements are needed, and mortgage company endorsement requirements. We keep the process moving and update you at every stage.

Q: Do you offer free roof inspections for insurance claims?

A: Yes. We provide free, no-obligation storm damage inspections. We'll document all damage, explain your options, and help you decide whether filing a claim makes sense. There's no pressure and no cost even if you choose not to move forward.