Florida Roofing
FAQs for Public Adjusters

Covered perils usually include: Wind and hail Storm or hurricane damage Fallen trees or debris Fire or lightning Sudden roof leaks (not wear and tear)

A licensed roofer should provide: Date-stamped photos of damage A detailed inspection report A weather event timeline A roof condition assessment (pre vs post-storm)

Yes. Florida contractors and adjusters increasingly use drones and thermal tech to identify hidden damage and document claim evidence more effectively.

Reputable roofers can assist with documentation, scope-of-work creation, and damage assessment—but only licensed public adjusters or attorneys can negotiate claims in Florida.

Not recommended. Starting work too soon may jeopardize reimbursement. Unless it’s an emergency tarp or mitigation repair, wait for the claim approval or signed AOB (Assignment of Benefits) agreement.

Check the Florida DBPR (Department of Business and Professional Regulation) website for license status, insurance, and complaint history.

Florida’s “Prompt Pay” law requires insurers to acknowledge the claim within 14 days, and pay or deny it within 60 days of receiving a complete proof-of-loss.

“Pre-existing damage” argument Lack of wind/storm-related cause “Improper maintenance” excuse Use of outdated cost estimators Not enough documentation or photos

Yes. Public adjusters often provide their own estimate, request a reinspection, or initiate appraisal or litigation if necessary.

Yes. Florida's strict codes (especially post-2007) may require: Full roof replacement (if more than 25% is damaged) Upgrades to code (under Ordinance or Law coverage) Proper permitting and inspections

Roof deck attachments (nails, adhesives) Secondary water barrier (like peel-and-stick) Impact-resistant shingles or tiles Hip roof geometry These features can help homeowners reduce premiums post-replacement.