florida roofing 101
hurricane & insurance claims
Under Florida Law Statute, 627.70132 Notice of Windstorm or Hurricane, you have 3 years to file a claim within 3 years after the hurricane made landfall or the windstorm caused the covered damage. Do not wait until the last minute to file a claim, the longer the wait, the more difficult for approvals.
Did You know if your hurricane claim was considered “closed“ you can reopen the claim with one phone call to your insurance carrier?
Do you know if you have damage to your tile roof?
- Many homeowners associate a leaking roof with a damaged roof. In many homes, the tiles can be cracked, broken or missing but will not cause a visible leak. Most tile damage cannot be seen from the ground.
Many of the Tile roofs in Florida were constructed with tiles that are no longer manufactured or available for repairs.
If you had a previous insurance claim did your adjuster inform you about the “Discontinued or Obsolete” roof tile?
- The Tile Roofing Institute governs the actual building code for tile roofing in Florida. The Tile Roofing Institute has published a list titled: “Obsolete Concrete Roof Tiles Formerly Produced in Florida.”
WHAT CAN HAPPEN IF YOU DO NOT FILE A HURRICANE CLAIM?
FAQ: EXISTING ROOF REPAIRS & ROOF REPLACEMENT
Many homeowners have paid a Roofer or a Handyman to repair the roof after the Hurricane. We can assist homeowners to be reimbursement by the insurance company for the repair cost they have incurred. This reimbursement will get paid directly to the homeowner. The repairs incurred are considered “temporary repairs” to stop further damage to the home.
If the insurance company has offered a repair cost for your home? If the insurance company has offered a repair cost to your home, then they are also admitting the Hurricane caused damage to your home. The admittance of this damage opens the flood gates for getting your roof approved for replacement. It does not matter how many tiles were damaged, what matters is if the existing tiles on your roof are still produced today by the same manufacturer.
Did you know that many insurance companies will give you a list of suppliers that sell“used” tile? There is no warranty and history of the used tiles sold to you. The tiles produced today are manufactured differently for strength/quality in comparison to the tiles produced 10 years ago.
MASSEY INSPECTION PROCESS
Our cost estimates are “apples to apples” with the insurance company.
Did you know you are not required to get three cost estimates as encouraged by your insurance company?
The insurance companies want you to present them with the lowest cost estimate. Do you really want the cheapest labor and materials on your home?
COLOR MATCHING LAWS
If you have already repaired your roof but the color of the tiles does not match exactly like the original roof, you could be approved for a full roof replacement. There are laws in Florida that pertain to Color Matching. Florida Law Statute, 626.9744 describes the claims settlement practices that pertain to the replacement of items that do not match in quality, color or size.