Florida’s tropical climate, frequent storms, and high wind speeds make properties in the state particularly vulnerable to roof damage caused by wind or hail. If you’ve lived in Florida for any length of time, chances are you’ve experienced storms that have put your roof to the test. Thankfully, many property insurance policies provide coverage for storm-related roof damage.
However, navigating the claims process isn’t always straightforward. Insurance companies often rely on a range of tactics to deny or underpay valid claims, leaving homeowners frustrated and financially strained. Understanding these strategies can help you be better prepared when filing a roof damage claim.
Common Strategies Insurance Companies Use to Deny Roof Claims
- Blaming Construction Errors
Insurers may claim that roof damage occurred due to improper installation or construction defects rather than storm-related causes. This tactic shifts liability away from the policy and onto the homeowner or contractor. - Invoking Wear and Tear Exclusions
Many policies include exclusions for general wear and tear, and insurers often use this clause to deny coverage. However, this can be misleading when the roof was in good condition before a storm caused damage. - Pointing to Deterioration
Some insurers attribute roof damage to pre-existing deterioration rather than the wind or hailstorm that triggered the issue. This is a common strategy, even in cases where the roof showed no signs of damage or leaks prior to the storm. - Downplaying Damage Below Florida’s 25% Rule
Florida law requires insurance companies to replace the entire roof if 25% or more of it is damaged. Despite this, insurers may attempt to pay only for isolated repairs or claim that less than 25% of the roof is impacted. - Hiring Biased Engineers
Insurance companies often hire engineers to assess the roof and provide reports minimizing the extent of damage. These reports are used to justify denying or underpaying claims, even when damage is evident.
What Homeowners Should Know About Roof Damage Claims
Roof damage claims can be complex, but as a homeowner, it’s important to document everything. Take photographs of the damage, keep records of all communication with your insurer, and consider hiring a professional roof inspector to provide an independent assessment.
If your claim is denied or underpaid, you don’t have to accept the insurance company’s decision at face value. Florida law is designed to protect homeowners, but enforcing these rights often requires legal action.
How The Mineo Salcedo Law Firm Can Help
At The Mineo Salcedo Law Firm, we specialize in helping Florida homeowners fight back against denied or underpaid roof damage claims. Our team has successfully litigated cases against some of the largest insurance companies, ensuring our clients receive the compensation they deserve.
When you work with us, you’re not just another case number. We offer:
- Free Home Inspections and Consultations: Our team will evaluate your roof damage and provide an honest assessment of your claim.
- Proven Legal Expertise: With a track record of winning cases, we know how to counter insurance companies’ tactics and secure fair settlements or judgments.
- No Out-of-Pocket Costs: In most cases, when we win, the insurance company is responsible for paying attorney fees and court costs.
Don’t let your insurance company dictate the outcome of your roof damage claim. If you suspect your roof has been damaged by a storm, contact The Mineo Salcedo Law Firm today at (954) 463-8100 for a free consultation. Let us help you protect your property and hold your insurer accountable.
