Roof Insurance Claim Assistance — Central Florida
Storm damage? We document everything, attend adjuster meetings, and ensure you receive the full settlement Florida law entitles you to. Licensed CCC1330134 · 37 years experience.
FL License CCC1330134 · 37 Years Experience · 4.9★ Google
We Help Central Florida Homeowners Get the Roof Settlement They Deserve
Florida’s insurance landscape is among the most complicated in the United States. After a hurricane or major storm, Central Florida homeowners routinely receive lowball settlement offers, have claims denied on technicalities, or are unaware of their rights under Florida Building Code — including the 25% Rule that can turn a partial repair claim into a full replacement.
One World Roofing is not a public adjuster — we are licensed roofing contractors. Our role is to provide complete, accurate damage documentation so your insurer has no grounds to undervalue your claim. We have attended hundreds of adjuster meetings across Central Florida and understand exactly what documentation moves claims forward.
Our documentation service costs you nothing upfront when you choose One World Roofing for your repair or replacement.
Florida’s 25% Rule — The Most Important Law for Your Claim
Florida Building Code Section 1511 — widely known as the “25% Rule” — states that when roof repairs within a 12-month period exceed 25% of the total roof area, the entire roof must be brought to current Florida Building Code. In practical terms, this means:
A storm damaging 30% of your asphalt shingle roof likely requires a full replacement — and your insurer is responsible for the full replacement cost under your policy.
Many adjusters settle at partial repair cost because homeowners are unaware of this rule. If damage exceeds 25%, a licensed contractor must inform you and document accordingly.
We measure every damaged section, document with photos and measurements, and present findings clearly to your adjuster referencing the applicable code section.
If your insurer denies a full replacement claim when the 25% threshold is met, you have grounds to dispute via the appraisal process or Florida Department of Insurance complaint.
What One World Roofing Does for Your Insurance Claim
Complete Damage Documentation
Timestamped, GPS-tagged photographs of every damaged section. Moisture meter readings mapping hidden water intrusion. Detailed written description of damage type, extent, and affected area as a percentage of total roof.
Insurance-Formatted Report
Written damage report in the format used by Florida insurance adjusters. Includes damage scope, affected area measurements, 25% Rule assessment, cost estimate for repair and replacement options, and reference to applicable code sections.
Adjuster Meeting Attendance
We attend the adjuster inspection on your behalf, present our documentation, and ensure the adjuster observes all damage areas. We address discrepancies on-site and follow up in writing if the adjuster scope differs from our findings.
Supplemental Claim Support
If additional damage is discovered during repair work, we prepare supplemental claim documentation and coordinate with your insurer for additional compensation.
FL 25% Rule Assessment
We measure damaged areas against total roof area and document the calculation clearly. If the threshold is met, your insurer is on notice — in writing — that full replacement is required under Florida law.
Complete Close-Out Package
At project completion you receive: permit and final inspection documentation, manufacturer warranty registration, before/after photos, and a receipt package formatted for your insurance file.
Florida Roof Insurance Claim Timeline
Storm Occurs — Immediate Action Required
Call your insurer to file the claim and notify them of damage. Call One World Roofing for emergency tarping to prevent further damage. Photograph all visible damage before any repairs.
We Document — Before the Adjuster Arrives
Our team conducts a pre-adjuster inspection to document all damage. This gives us a baseline to compare against the adjuster scope and ensures no damage is missed.
Adjuster Inspection — We Attend
We attend the insurance adjuster visit and present our documentation. We point out all damage areas, provide the 25% Rule calculation if applicable, and respond to adjuster questions on-site.
Review the Settlement Offer
Compare the adjuster scope to our damage report. If there are discrepancies, we prepare a written response challenging underpaid or excluded items with supporting documentation.
Claim Approved — Permanent Repairs Begin
Once settlement is agreed, we schedule permitted repair or replacement. All work is performed to Florida Building Code with manufacturer warranties registered in your name.
Supplemental Claim if Needed
If hidden damage is found during repair work, we document and file a supplemental claim. You receive a complete close-out package at project completion.
Florida Roof Insurance Facts Every Homeowner Should Know
1-Year Claim Deadline
Florida Statute 627.70132 gives you 1 year from storm date to file a hurricane or windstorm claim. Missing this deadline forfeits your right to compensation regardless of damage severity.
Mitigation is Required
Florida law requires homeowners to take reasonable steps to prevent further damage after a storm event. Failure to tarp or mitigate can reduce your claim for post-storm water damage.
Right to Dispute
Florida policyholders have the right to invoke the appraisal clause in their policy if they disagree with a settlement. This brings in neutral appraisers to resolve the dispute.
Assignment of Benefits (AOB) Warning
Be cautious of contractors who ask you to sign an Assignment of Benefits before work begins. This transfers your claim rights to the contractor. Always retain control of your claim.
Depreciation & RCV vs ACV
Replacement Cost Value (RCV) policies pay full replacement cost. Actual Cash Value (ACV) policies deduct depreciation. Know which policy you have before settling.
Contractor Cannot Be Your Adjuster
In Florida, only a licensed public adjuster can negotiate your insurance settlement. Contractors can document damage and attend inspections but cannot negotiate on your behalf.
Get Your Free Roofing Estimate in Central Florida
Licensed CCC1330134 · 37 Years Experience · 813+ Projects Completed