Roof Insurance Claim Process In The State Of Florida

Don’t let the forms and legal terminology overwhelm you. We will walk you through the roof insurance claim process step by step and even negotiate on your behalf with the insurance!

We can help you to get your new roof!

roofing companies that work with insurance claims

We’re experts at helping you with the roof insurance claim process!

Filing insurance claims can be a difficult and tedious task, especially if certain procedures are not followed. Most insurance companies want to properly service their clients’ claims, but it is still important to understand the proper procedures and exactly what questions to ask. HD Roofing and Construction are experts in the insurance restoration process, and our staff is always eager to offer assistance and accurate information in the insurance claims process

roofing companies that work with insurance claims

If you suspect wind or hail damage from a recent storm, you should call your insurance carrier’s claims office not your insurance agent.

For your convenience, we have provided the numbers to most of the larger insurance companies’ claims offices. Many agents are not responsible for or trained, in many cases, to handle the claims aspect of your policy. The first call should always be to the claims office after a roof inspector evaluates the roof for damage. If you choose HD Roofing and Construction as your contractor we will assist you in the process of gathering and providing information to your insurance company.

roofing companies that work with insurance claims

Roof Insurance Claim Process

The claim handler from your insurance company will assign a claim number and a claims adjuster. Make a note of this number as it will be very important throughout the entire process. It may take several days to obtain the name and contact information of your adjuster. Remember to ask for his or her cell phone or direct contact number when you speak to them. Call your Elevated Roofing representative and provide the adjuster’s name, contact info and appointment time. Your insurance company may ask you to get three estimates. This may result in your insurance company getting the lowest price, but you should know the insurance company keeps 100% of the savings. You will get a cheaper roof! We will help you provide the proper information to the insurance carrier for a fair insurance settlement. With HD Roofing and Construction, you will get the highest quality roof system on the market.

Damage Assessment

Inform your adjuster that you will have your roofing contractor present at the meeting. It is critical that we attend the inspection meeting and serve as your advocate. As much as they appreciate your business, the insurance carriers seek to keep their expenditures down. Most adjusters will request the name of the roofer with whom they will be meeting because they realize the importance of having an experienced roofer by their side. Measurements of the roof and other damages will be taken at that time. Whenever possible, HD Roofing and Construction will provide a satellite imaged, engineered report detailing the roof measurements. We do our job well so you can feel confident that you will be expertly represented during the initial inspection..

Fair Settlement

Once the insurance adjuster assesses the extent of damages, he or she will provide a claim summary detailing the scope of repairs or replacement. When you receive the adjuster’s claim summary we will compare it to our own to make sure nothing has been omitted from the scope of the project.

If there is a discrepancy, our insurance liaison will help by providing you with additional information so you are able to negotiate the difference with the insurance company.

In most cases this will be a simple process of faxing them our estimate and calling them to discuss the differences. If an insurance company is unwilling to fund key components of your new roof, we may ask you to call your provider to discuss the issue. If that happens, we will review our options and develop the best plan of action for your claim situation.

Once the negotiation process has been completed, the insurance company will release a supplemental check to cover the additional amount that was determined through negotiations with the insurance representative.


You should receive the initial check about the same time the claim summary arrives. It may have your mortgage company’s name on it, in which case you would have to contact them to find out the proper procedure for getting their endorsement. 

Each company has specific directions to follow. There may be additional paperwork needed by the mortgage company. This process can take up to 10 days. If a supplemental check is issued, it too may have the mortgage company listed on it and the same procedures would need to be followed. Those funds would be payable towards the new negotiated roof replacement total.

The initial check may seem small compared to the full amount of the roof. There are two reasons for this 1. your deductible and 2. the depreciation. Most homeowners choose the Replacement Cost coverage type of policy over the Actual Cost Value policy. If you have a replacement cost policy we will recover (and receive) the depreciation withheld by the insurance company after the work has been completed.

The deductible is the portion withheld by the insurance company that will not be paid out to you at any time. The deductible is your co-pay which you will pay directly to HD Roofing and Construction. The full cost of the roof replacement is the sum of the first insurance check, your deductible, the amount of depreciation and any supplements.

We are one of the best roofing companies that work with insurance claims

Once the first insurance check, deductible and insurance loss statement are received the roof will be installed.

Recovering Depreciation

After the roof has been installed by HD Roofing and Construction, we will provide the necessary documentation to the insurance company to let them know it is complete. If the depreciation withheld was recoverable, we will ask for the release of those funds. The insurance company will most likely call you to confirm that the project is complete and will then release the last check. 

It is possible that if a supplement was negotiated that it may be included in the final check along with the depreciation. HD Roofing and Construction will be happy to make the follow up calls to confirm receipt of this documentation on your behalf to ensure timely processing. Mortgage companies may require their own inspection before they endorse and release the depreciation back to you. We do not handle this detail, so be sure to ask them about their required procedures.

Final Payment

Once you receive your last insurance check, and mortgage company endorsements are made, HD Roofing and Construction will collect the final amount due on the roof. As a courtesy to our clients we provide a 30-day grace period from roof installation to make the final payment on the depreciated amount.. Give us a call if you need more information regarding the claim process. Phone: 407-401-5173.

Roofing Insurance Claim Process and Deductibles


Here We Inform Homeowners About Their Deductibles.

Roofing Insurance Deductibles Information for the state of Florida.

Has hail damaged your roof? It might be time to file a claim with your insurance provider.

Understanding your deductible is important!

What is a Deductible?

An insurance deductible may be defined as the amount you must pay upfront before the carriers pay you for the loss covered. Most insurance policies contain clauses pertaining to deductibles.

Our Position

HD Roofing and Construction requires the insured to pay their deductible. We will install the highest quality roof system available. We stand by our word to serve our clients with excellence, and our integrity is not something we will negotiate.

Loss Statement

The deductible is the co-pay or responsibility of the insured. Many times the insurance company’s loss statement refers to less deductible applied. This portion or amount of deductible is the agreed upon amount between the insured and insurance company that the homeowner pays to the contractor.

The replacement of damaged property is a shared expense between the homeowner and the insurance company. The insured’s annual premium is based upon the agreed upon out of pocket expense for the insured. Lower deductibles constitute higher annual premiums for the homeowner. Therefore, a lower annual premium would necessitate a higher deductible for each occurrence.

The responsibility to pay the deductible is the homeowners. The department of regulatory agencies states that it is illegal for the contractor to contribute to a homeowner’s deductible. However, many roofing companies contribute to the insured’s deductibles by using sign credits, discounts, and rebates. This is defined as soft insurance fraud, and in most cases, it is overlooked.


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From the time that we were founded, we have always been committed to running a company in accordance with ethical business practices. We believe in providing honest, hard work and also in giving our customers what they rightly deserve: high-quality home improvement services at fair prices. Integrity is and always will be a cornerstone of the HD Roofing and Construction brand. But being at the top of the list of Roofing companies in Orlando, Tampa and the state of Florida comes with responsibilities we are willing to take.

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385 Commerce Way, Longwood, FL 32750

(407) 409-7421

24 hrs. - 7 Days a week