If a storm has damaged your roof, one of the first questions most homeowners ask is whether their insurance actually covers it. LePierre Roofing has helped Nassau County homeowners answer that question and file their roof insurance claim for more than 40 years, from the first inspection to the final repair.
We are not a public adjuster or an attorney. We are a roofing contractor that works with insurance every day, documenting damage the way adjusters expect to see it and making sure your claim reflects the real cost of the repair, not just what gets mentioned in passing.
Most Florida homeowners insurance policies cover roof damage caused by a sudden, accidental event such as a hurricane, windstorm, hailstorm, or falling tree, but they generally exclude damage caused by age, wear, or lack of maintenance. Whether your policy covers a full roof replacement usually comes down to the scope of the damage. Isolated storm damage may only qualify for a repair, while widespread damage across the roof often supports full replacement.
Florida policies typically apply a separate hurricane deductible, often a percentage of your dwelling coverage rather than a flat dollar amount. Whether your policy pays actual cash value or replacement cost value also changes your final payout, since actual cash value policies subtract depreciation for the roof’s age before the check is cut.
Florida law also prohibits insurers from refusing to write or renew a policy solely because a roof is under 15 years old, but older roofs may still face inspection requirements, which is one more reason to have a documented roof inspection on file before a storm hits, not after.
Nassau County sits directly in the path of Atlantic storm systems, and wind driven rain, lifted shingles, and flying debris account for most of the roof damage we see after a named storm. Homes with a current wind mitigation report often see smoother claims, because the adjuster already has documentation of how the structure performs in wind. If you do not have a current report on file, our Wind Mitigation Inspection page can help.
You do not need to wait for a leak to schedule an inspection. Call us if you notice any of the following:
A roofing contractor that works with insurance does more than repair damage after the fact. LePierre Roofing inspects and photographs your roof the way adjusters expect to see it, meets adjusters on site whenever scheduling allows, and provides our own itemized estimate to compare against the insurer’s scope of work. That comparison is often what stands between a fair settlement and a shortchanged one.
A second opinion from an experienced local roofer can address most of these issues before they become a reason for denial, which is exactly why so many Nassau County homeowners call LePierre Roofing before they call their insurance company.
We are roofing contractors, not public adjusters or attorneys, and our free insurance claim roof inspection comes with no obligation.
It can, if the damage was caused by a covered event such as a hurricane, windstorm, or hail, and the scope of damage supports the repair or replacement being claimed. Damage caused by age or lack of maintenance is typically excluded.
Call a roofer first if it is safe to do so. A quick inspection gives you photo documentation of the damage before anything shifts or gets missed, which strengthens your claim once you do contact your insurer. Either way, do not wait long on either call, since Florida’s filing deadline starts on the date of loss.
A roofing contractor documents the damage in the detail an adjuster expects, provides an independent estimate for comparison, and can meet the adjuster on site to point out damage that is easy to miss from the ground.
Florida law requires you to notify your insurer within one year of the date of loss for a new claim, and within 18 months for a supplemental claim tied to the same event.
Start by requesting a written explanation of the denial or the adjuster’s scope of damage, then compare it against an independent contractor estimate. If the gap is significant, you may want to file a supplemental claim or consult a public adjuster or attorney about your options.
A single claim for storm or hurricane damage does not automatically raise your premium the way an at-fault auto claim might, but insurers do track claims history, and multiple claims in a short period can affect your rate or renewal terms. Your agent can tell you how your specific carrier handles this.
LePierre Roofing is a storm damage roofer serving Fernandina Beach, Yulee, Amelia Island, Callahan, Hilliard, Franklintown, Nassauville, Black Hammock Island, and O’Neil.
If your roof has storm damage, do not navigate the insurance process alone. Call LePierre Roofing today for a free inspection and honest guidance on your claim.