Roof claim denied? Get a roof damage claim lawyer who’ll fight for your home.
A roof damage claim lawyer in Orlando helps when your insurer denies or underpays a Florida roof claim. The most common excuse is “wear and tear.” We bring in independent roofers and engineers to show the damage came from wind or hail, and push for a repair that meets code, not a patch. No fee unless we recover.
A leaking roof doesn’t wait for the insurer
We’re sorry you’re dealing with this. Every rain brings more water into the attic and ceilings, and the insurer may already be building its case that your roof was simply old.
“Wear and tear”
The go-to denial for roofs. Age doesn’t mean a storm didn’t cause the damage.
A patch, not a roof
The insurer pays for a few shingles when the damage, or the building code, calls for much more.
The insurer’s engineer
A report written for the insurance company, often after a quick look from the ground.
What waiting can cost you
The one-year notice
A new roof claim must be reported within one year of the storm.
Interior damage spreads
Wet insulation, stained ceilings and mold grow with every rain.
Shingles get discontinued
If your shingles can’t be matched, a patch can leave a mismatched roof.
Depreciation
Some policies pay older roofs at a depreciated value, which can shrink a check fast.
The insurance company has a team. Now you do too.
Get my free case reviewFlorida law, in plain words
How roof claims work in Florida
Roof claims follow Florida’s property insurance rules, plus building code and policy terms that decide whether you get a patch or a new roof.
Storm damage versus wear and tear
Policies exclude normal aging, but cover sudden damage from wind, hail or falling trees. The fight is usually over the cause, and that takes evidence.
Code upgrades and the 25% rule
Florida’s building code can require a larger section of roof to be replaced when a large share is damaged, with exceptions for newer roofs. Ordinance or law coverage may pay for the upgrade.
Matching
Florida law requires repairs to be reasonably uniform in appearance. If replacement shingles can’t match, more of the roof may need to be replaced.
How your roof is valued
Some policies pay replacement cost; others pay roofs on a depreciation schedule. Your declarations page and roof endorsements decide which.
Deadlines on both sides
You have one year from the date of loss to report a new claim. The insurer must acknowledge it within 7 days and pay or deny within 60.
To report a roof claim
1 year
From the date of the storm. Roof damage isn’t always visible from the ground, so get an inspection after any major wind event, not just a leak.
Central Florida roofs
Roof damage insurers fight most
Between summer thunderstorms, hail and hurricane season, Central Florida roofs take a beating. We start with an independent inspection on the roof, not from the driveway, and photograph everything before repairs begin.
Wind-lifted and missing shingles
Creased, lifted or missing shingles after a storm, often dismissed as age or bad installation.
Hail damage
Bruised shingles and dented metal that don’t leak right away but shorten the roof’s life.
Fallen trees and limbs
Punctured decking and broken trusses, plus the interior water damage that follows.
Leaks and interior damage
Ceilings, drywall, insulation and belongings ruined by water coming through a storm-damaged roof.
What a roof claim can cover
Every policy is different, so we start by reading yours. These are the parts of a roof claim insurers most often leave out.
- Repair or full replacement of the damaged roof, at real contractor prices
- Code-required upgrades, if you have ordinance or law coverage
- Matching materials so the roof looks uniform
- Interior damage to ceilings, walls, insulation and floors
- Emergency tarping and water extraction
- Damaged belongings and additional living expenses, where covered
Proof, not promises
Real people, real results
Recovered on a roof damage claim
[$X]
[Storm, city and year: one sentence on the denial or first offer and the final recovery.]
Every case is different. Past results don’t guarantee a similar outcome.
“They told us our roof was just old. Sunshine sent a real roofer up there who found the wind damage, and the insurance company ended up paying for a new roof.”
Placeholder result and sample review shown for layout. Replace with a verified result and a real Google review, approved under Florida Bar Rule 4-7, before launch.
Three simple steps
Your roof claim, in three steps
- 1
Send us the denial
A free call with an attorney, in English or Spanish. Send the policy, the letter and any photos you have.
- 2
We inspect the roof
Independent roofers and engineers document the storm damage and price a code-compliant repair.
- 3
We push for a full repair
We negotiate hard, use mediation or appraisal when it helps and, if the insurer won’t be fair, file suit.
Where you end up: a roof you can trust
Before
- A “wear and tear” denial
- Buckets under the leaks
- Paying for a roof out of pocket
With Sunshine
- Proof of what the storm did
- Independent experts on your side
- A repaired roof over your family
Your roof repaired
A repair or replacement that meets code, not a patch.
A roof that matches
Uniform materials, not a patchwork of shingles.
Your policy honored
Storm damage paid as storm damage.
Dry nights
No more watching the ceiling every time it rains.
Every case is different. Past results don’t guarantee a similar outcome.
Our promise
We treat your case as if it were our own.
What it costs, and why Sunshine
Roof claim attorneys who go up the ladder
After a roof is damaged, most Florida homeowners end up fighting an insurer that blames age and pays for a patch. Sunshine State Law Firm takes on that fight and keeps you informed every step of the way, so you can sleep under a roof you trust. No fee unless we recover for you.
- No fee unless we recover for you. The percentage is in writing before you sign, along with the Statement of Client’s Rights Florida requires.
- You’ll always know who’s handling your case, with updates by text, email and phone.
- Hablamos español, from the first call to the final check.
- No question is a dumb question. We explain every step in plain words.
Guides for roof claims
Roof insurance claim denied in Florida? What to do next
Roof insurance claim denied in Florida? Why insurers deny roof claims, the deadlines that apply, and the steps to dispute a denial or lowball payment.
Read the guide
When you need a homeowners insurance attorney in Florida
When a Florida homeowners insurance attorney can help with a denied or underpaid claim, what they do at each stage, and how 2022 law changes affect you.
Read the guide
Do I need an insurance lawyer? 5 ways to know
Do I need an insurance lawyer? Five signs your Florida home insurance claim needs legal help, plus when you can safely handle it on your own.
Read the guide
Roof claim questions we hear every day
No question is a dumb question. Here are the ones we hear most.
Often, yes. An older roof can still be damaged by wind or hail, and the policy covers that sudden damage. An independent inspection can show what the storm did. A roof damage claim lawyer can review the denial for free.
Roof claim denied? Here’s what to doSometimes. It depends on how much of the roof is damaged, whether the building code requires more of it to be replaced, whether the shingles can be matched and how your policy values roofs. We look at all four.
You must give your insurer notice of a new or reopened claim within one year of the date of loss, and of a supplemental claim within 18 months. Report storm damage promptly, even if the leak shows up later.
A roofer can document damage and give an estimate, but be careful what you sign. Florida no longer allows assignment-of-benefits agreements on policies issued since January 1, 2023, but some contracts still try to take control of your claim. Read before signing.
Nothing up front. We work on a contingency fee: our fee is a percentage of what we recover, and you owe no attorney’s fee if we don’t recover. The percentage and how case costs are handled are in a written agreement you see before you sign.
Photograph the roof and any interior damage, put down a tarp or have one installed to stop more water getting in, and keep every receipt. Report the claim to your insurer and don’t throw away damaged materials until they’ve been documented.
Tell us your story. We’ll take it from here.
A free, personal conversation with an attorney. No pressure, no fee unless we recover for you.
Hablamos español · Consulta gratis