The Ins and Outs of Roof Insurance Claims: A Homeowner’s Guide to Getting Approved
When storms hit Palm Beach County, your roof is your first line of defense — and the first to take damage. If you’re dealing with leaks, missing shingles, cracked tiles, or storm-related damage, knowing how to navigate your insurance claim can make all the difference between fast approval and costly delays.
At Sun Catcher Roofing, we’ve helped hundreds of Florida homeowners file successful claims and protect their property. Here’s what every homeowner needs to know:
See Requirements for Roof Insurance Claim in Florida
1. Start With a Professional Inspection
Before contacting your insurance company, schedule a licensed roof inspection with a trusted contractor. We’ll thoroughly document all damage with photos and notes, so you’re prepared to back up your claim.
Pro Tip: Visual proof is everything. Get photos of damage, debris, interior leaks, and roofing materials.
2. Know What Your Policy Covers
Every insurance policy is different. Most cover wind, hail, and hurricane damage — but coverage can vary depending on age, roof type, and deductible terms.
Look for:
- Coverage for full roof replacement
- Hurricane or windstorm clauses
- Deductible amount
- Deadlines for filing claims (often within 30 days)
3. File Your Claim Promptly
Once you’ve reviewed your policy and gathered documentation, call your insurance company to start the claim process. The sooner, the better — especially during storm season when adjusters get backed up.
4. Schedule the Adjuster Meeting
Your insurance company will send an adjuster to inspect the damage.
Pro tip: Have your roofing contractor present during the visit. This ensures your damage is correctly assessed — and nothing gets overlooked.
At Sun Catcher Roofing, we’re happy to meet with the adjuster on your behalf.
5. Review the Estimate & Approve the Work
After the adjuster submits their report, you’ll receive an estimate for repairs or replacement. Review it carefully with your contractor to make sure the scope and pricing align with what’s needed.
Once approved, we’ll schedule your roof work and keep the process moving.
6. What If Your Claim Is Denied?
If your claim is partially approved or denied, don’t panic. You can request a reinspection or appeal the decision — and we can help you with that process. Sometimes a second look with a detailed contractor report can turn a denial into an approval.
7. Final Step: Protect Your Investmen
Once your new roof is installed or repairs are complete, make sure you:
- Keep documentation for warranties
- Take “after” photos
- Schedule regular inspections before hurricane season each year
Need Help With Your Roof Insurance Claim?
Sun Catcher Roofing has helped homeowners across Palm Beach, Boca Raton, Jupiter, and Coral Springs get their claims approved and their roofs replaced quickly.
Free storm damage inspections
Insurance claim guidance
Licensed & insured in Florida
Call us today at (561) 583-5513 or schedule your free inspection online to get started —click here.
