top of page
Search

Will Insurance Cover a Roof Replacement in Florida?

  • Writer: Robert Jones
    Robert Jones
  • Nov 4
  • 4 min read
Robert Jones Roofing team inspecting storm-damaged roof in Titusville, Florida for insurance claim.

By Robert Jones Roofing – Titusville, FL

After a big storm, it’s common for Florida homeowners to notice missing shingles, roof leaks, or water spots on their ceiling. That’s when the question comes up:

“Will my insurance cover a roof replacement?”


The truth is — it depends. Insurance companies look at several factors, including how the damage happened, the roof’s age, and the type of coverage you have. Here’s what you need to know to make sure you’re protected and prepared.


1. When Insurance Usually Covers Roof Replacement

Homeowners insurance is designed to protect you from sudden and accidental damage. In Florida, that often means storms, hurricanes, or falling debris. Your policy will typically cover roof repairs or replacement if damage was caused by:

  • Hurricane or tropical storm winds

  • Hail impact

  • Fallen trees or branches

  • Fire or lightning

If your roof damage is linked to a covered event, your insurer may pay for a full or partial replacement. It’s important to document everything — photos, videos, and written notes — right after the event occurs.


💡 Tip: Contact both your licensed roofing contractor and your insurance company as soon as possible. Having a licensed roofer provide a detailed inspection report can make your claim stronger.


2. When Roof Damage May Not Be Covered

Unfortunately, insurance doesn’t cover every type of roof issue. Damage caused by normal aging or lack of maintenance typically isn’t included in most policies.Common reasons a claim might be denied:

  • Your roof is too old (often over 15–20 years)

  • Damage resulted from neglect or poor maintenance

  • There were pre-existing leaks

  • Materials were improperly installed


This is why routine roof inspections (at least once a year) are so valuable. A professional roofer can spot early signs of wear before they become major issues that insurance won’t cover.


3. How Florida’s Roof Laws Affect Coverage

Florida’s insurance laws have changed in recent years to help reduce fraud and rising premiums. One major change allows insurance companies to limit roof coverage based on age.


If it’s been a while since your last inspection, you can get a free roof inspection from our team today.


Here’s what that means for homeowners:

  • If your roof is less than 10 years old, most policies will still cover full replacement for storm damage.

  • If your roof is older than 10–15 years, insurers may pay only the actual cash value (ACV) — which deducts for depreciation.

  • You may also have a separate hurricane deductible, often based on a percentage of your home’s insured value.


Before storm season, it’s smart to review your policy and understand your roof coverage. If you’re unsure, your roofing contractor can help you read the fine print and explain what to expect.


4. Step-by-Step: How to File a Roof Insurance Claim in Florida

Filing a claim can feel overwhelming, but with the right approach, it doesn’t have to be. Here’s a simple breakdown:

  1. Inspect and document the damage. Take photos from multiple angles, both inside and outside.

  2. Contact your insurance provider and report the damage as soon as possible.

  3. Schedule a professional roof inspection with a licensed contractor like Robert Jones Roofing. We’ll provide a full damage report and estimate for your claim.

  4. Meet with the insurance adjuster. Your roofer can often be present to ensure all damage is properly noted.

  5. Review your claim approval and coverage details.

  6. Schedule your roof repair or replacement once the claim is finalized.


Having an experienced local roofing company on your side can make a big difference — not only in dealing with insurance but also in ensuring your roof is repaired correctly and up to Florida building code.


5. What Type of Roof Damage Should You Watch For?

After a strong wind or heavy rain, walk around your property (safely) and look for:

  • Missing, cracked, or curling shingles

  • Water spots on ceilings or attic beams

  • Sagging roof areas

  • Granules in your gutters

  • Exposed underlayment or soft spots


Even minor damage can lead to leaks and bigger problems later. Getting a free inspection is the best way to catch issues early and protect your home’s value.


6. Why Working with a Local Roofer Matters

When it comes to insurance claims, not all roofing companies are the same. Choosing a family owned roofing company in Titusville ensures you get personal, honest service — not storm chasers who disappear after a job.


At Robert Jones Roofing, we’ve proudly served Titusville and Brevard County homeowners for years. We understand Florida’s weather patterns, building codes, and insurance requirements.Our team provides:

  • Free roof inspections

  • Storm damage assessments

  • Assistance with insurance claims

  • Top-quality materials and craftsmanship


We’re licensed, insured, and family-owned — so you can feel confident knowing your home is in good hands.


7. Final Thoughts

Florida homeowners face some of the toughest weather in the country. While insurance can help protect your roof investment, coverage can vary depending on your policy and roof condition.


If you suspect roof damage or just want to know where you stand, schedule a free inspection with Robert Jones Roofing today. We’ll assess your roof, explain your options, and help guide you through the insurance process every step of the way.

 
 
 

Comments

bottom of page