Insurance Claim Services
Skymark Roofing is a top-rated, full-service roofing company in Florida. We offer the best quality storm damage inspections and roof repair services, experienced employees, as well as outstanding customer service.
For questioned related to whether or not your insurance company provides coverage for your roof, it is important that you read your policy to learn what your deductible and coverage limits are, or contact your agent for help adjusting them to fit your needs.
During the 2021 Florida legislative session, the Florida Senate passed Senate Bill 76, a bill that focuses on reducing litigation related to property insurance claims and also places restrictions on companies soliciting insureds to file roof claims.
SB 76 addresses several issues related specifically to roof claims. Notably, the legislation prohibits advertisements by contractors that encourage, instruct, or induce a consumer to contact a contractor or public adjuster to make an insurance claim for roof damage. SB 76 also prohibits soliciting by contractors, including both in-person and electronic solicitation (phone, email, text, etc.). Further, the legislation prohibits contractors from offering residential property owners inducements (gift cards, cash, rebates, coupons) in exchange for allowing the contractor to inspect the roof or to file a roof claim with the property owner’s insurer.
Furthermore, SB 76 prohibits a contractor from interpreting a property owner’s insurance policy or from advising a property owner as to coverage under the insurance policy. An exception to these prohibitions in the legislation exists in situations where the contractor is also a licensed public adjuster. Lastly, SB 76 prohibits contractors from performing repairs for an insured property owner without first providing the property owner with a detailed cost estimate. The legislation provides that any roof contractor (either directly or through its employees and agents) may be fined up to $10,000 for any violation.
Florida Gov. Ron DeSantis has signed SB 76 into law, with an effective date of July 1, 2021.
Homeowners insurance may cover roof damage, depending on what caused the damage. For instance, homeowners insurance may help cover the cost of repairs if hail or a fallen tree damages your roof.
It is important that you read your policy to learn what your deductible and coverage limits are, or contact your agent for help adjusting them to fit your needs.
Here are some things to consider when it comes to homeowners insurance coverage for a damaged roof:
The dwelling coverage in a homeowners insurance policy typically helps protect your home’s structure, including the roof, from certain perils, or causes of damage. Commonly covered perils include fire, wind and hail damage. So, if your roof needs repairs after it is damaged by hail or by a tree that topples onto it during a windstorm, you may find that your dwelling coverage helps cover the cost. If the contents of your home are ruined as the result of a covered roof claim, personal property coverage may help pay to repair or replace them.
Meanwhile, the roof of an unattached structure on your property, such as a shed or detached garage, may be covered by the other structures protection in a homeowners insurance policy if the damage is caused by a covered peril.
It’s important to keep in mind that you will likely need to pay a deductible before homeowners insurance will help pay to repair a damaged roof, and your coverage limit will apply.
Read your policy to learn what your deductible and coverage limits are, or contact your agent for help adjusting them to fit your needs.
Note that some homeowners insurance policies may have windstorm and hail exclusions, which means damage caused by those perils would not be covered.
Read your policy to learn whether yours lists any exclusions.
Homeowners insurance may cover a roof leak if it is caused by a covered peril. Suppose your roof is damaged by fire, hail or wind. which results in a leak. In those cases, your homeowners policy may help pay to repair the roof leak (unless your policy has a wind or hail exclusion).
However, homeowners insurance generally does not cover damage resulting from lack of maintenance or wear and tear. Instead, it typically helps pay to repair sudden, accidental damage. So if its age or an unresolved maintenance issue are to blame for your leaking roof, homeowners insurance likely won’t pay to repair the leak or the resulting damage. That’s one reason why you may want to conduct regular roof inspections. If you’re planning to buy a new home, you may want to learn about the roof’s age and condition, too.
Read your policy or contact your local agent to learn if your homeowners insurance covers roof damage and how much protection it provides.
Skymark Roofing brings over 35 years of Florida storm damage inspection and roof repair services and experience. We specialize in all forms of storm damage inspection and roof repair services for Florida residents.
We are a locally owned and operated storm damage inspection and roof repair services company whose dynamic team consists of experienced professionals across multiple areas of storm damage inspection and roof repair services.
Always rated as one of the storm damage inspection and roof repair services contractors in Florida by our loyal, satisfied customers, we continue to maintain top ratings and reviews with the Better Business Bureau, Angie’s List, Google, Yelp and more.
Take a look around our website to discover more about our storm damage inspection and roof repair services, or give us a call to schedule a free inspection!
We service residential and commercial storm damage inspection and roof repair services customers in Alachua, FL, Apopka, FL, Bradenton, FL, Clearwater, FL, Eustis, FL, Gainesville, FL, Jacksonville, FL, Lady Lake, FL, Lake County, FL, Lakeland, FL, Lutz, FL, MT Dora, FL, Orange County, FL, Sarasota, FL, Tampa, FL, Tavares, FL, The Villages, FL, Wesley Chapel, FL, and other areas nearby. Check out our local service areas.