Roof Insurance Claims in Florida
A roof claim is decided by two things almost nobody sees: what the damage is blamed on, and how much of the roof the estimate agrees to touch.
Florida property insurance claims: the deadlines and the fee cap
- Notice of a claim
- Under Fla. Stat. §627.70132, a property insurance claim or reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. — Fla. Stat. §627.70132(2)
- Time to bring a court action
- An action for breach of a property insurance contract must be brought within 5 years, running from the date of loss. This is a separate clock from the notice deadline, and §627.70132(5) states that the notice statute does not affect it. — Fla. Stat. §95.11(2)(e)
- What a public adjuster may charge
- A public adjuster’s compensation is capped at 20 percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer. For claims based on events that are the subject of a declaration of a state of emergency by the Governor the cap is 10 percent, and that limit applies to claims made during the year after the declaration of emergency. — Fla. Stat. §626.854(11)(b)
- Which deadline applies to you
- Which of these applies to your claim depends on your policy and your date of loss.
Public Loss Adjusters, LLC — Robert Mack, Florida public adjuster, Lic. #A161638. The review is free and carries no obligation. Call 352-353-4556.
Robert Mack — Public Loss Adjusters, LLC
Florida Public Adjuster License #A161638 · SPPA · AIC · AIC-M · CCC
How much time is left on your claim?
Florida law puts clocks on property insurance claims. Enter when the damage happened and where your claim stands.
For a hurricane, tornado, windstorm or other weather event, Florida sets the date of loss by statute — the date the hurricane made landfall, or the date the event is verified by NOAA (Fla. Stat. §627.70132(3)).
Answer the questions above to see your deadline.
Free review. No recovery, no fee.
Florida law sets a separate five-year period for lawsuits on a property insurance policy (Fla. Stat. §95.11(2)(e)). A Florida attorney can confirm how it applies to you.
Condominium and HOA loss assessment claims run on a different clock — the later of 1 year from the loss or 90 days after the association votes the assessment, and never more than 3 years (Fla. Stat. §627.70132(4)). This calculator does not cover those. Call and we will work it out with you.
Robert Mack, Licensed Public Adjuster, Lic. #A161638. Deadlines depend on your policy and date of loss. This is general information, not legal advice. Notice deadlines: Fla. Stat. §627.70132 — 1 year from the date of loss for a new or reopened claim, 18 months for a supplemental claim.
What happens next
- You call. One conversation, and you will know whether there is anything here worth looking at further.
- A free policy and loss review. We read the policy you actually hold and look at what was actually lost. No cost, no obligation.
- We deal with the insurer. If there is a claim, we take it from there. No recovery, no fee.
What clients say
★★★★★ 4.8 out of 5 across 11 Google reviews
“I came here especially to thank Robert and write a review for him (he didn’t ask me to)”
“It will seem like they are helping you out with a claim, but PLA pointed out how they were cutting corners and not paying what is really due.”
“This company was on top of my issue from the moment I called to the very end.”
“As it turned out, I didn’t use Robert. But he put in the time and effort to visit me and provide me with solid information and guidance should the insurance company not be responsive.”
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Age is the argument you should expect
Almost every disputed roof claim in Florida turns on the same question: was this a storm, or was it a roof reaching the end of its life? Carriers have a strong incentive to see the second, and an older roof gives them the language to do it.
That is a finding, not a fact. It rests on evidence, and evidence can be re-documented.
The second argument is about how much roof
Even where damage is accepted, a claim can be settled on a repair to one slope when the roof cannot actually be repaired that way — because the material is no longer made, because the colour will not match, or because the remaining slopes carry the same damage nobody inspected. The difference between a patch and a replacement is usually the whole value of the claim.
One Orange County hurricane claim: settled at $28,000. That is one claim, on one policy, with its own facts — it is not a prediction about yours, and nobody can tell you what yours is worth before looking at it.
One Lake County windstorm claim: carrier paid $12,609.92. That is one claim, on one policy, with its own facts — it is not a prediction about yours, and nobody can tell you what yours is worth before looking at it.
The practical version: the scope is set early and it is hard to reopen once it is agreed. Have someone look before it is settled, not after — that is the job you are hiring for.
Wind, hail and rain get treated differently
A wind claim, a hail claim and water that came in through the roof are not the same claim even when the damage looks identical, and some policies carry separate deductibles or separate treatment for each. Which one the loss is filed under changes what gets paid.
We work for you, not the insurance company
A public adjuster works for the policyholder. We re-document the loss, build an independent scope and estimate, read your policy against the carrier's position, and handle the negotiation. The insurer's adjuster is competent and is doing a job — it is just not your job.
The clock, on both sides
Florida sets deadlines on the insurer as well as on you. Under Fla. Stat. 627.70131 it must acknowledge your communication within 7 days, begin investigating within 7 business days of receiving proof of loss, carry out any physical inspection within 30 days, and pay or deny within 60 days. Your own deadline is separate: under Fla. Stat. 627.70132, notice of a new or reopened claim is generally due within one year of the date of loss, and a supplemental claim within 18 months.
- Florida-licensed public adjuster, License #A161638
- Robert Mack — SPPA, AIC, AIC-M
- In the insurance industry since 1991. Public Loss Adjusters, LLC established 2019.
- PO Box 560404, Montverde, FL 34756 — on site across Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties
- The review is free and carries no obligation
What we will never do: promise you an outcome, tell you what your claim is worth before anyone has looked at it, or ask you to overstate a loss. Any adjuster who does is a risk to you, not an asset.
Roof claim questions
They said my roof damage is wear and tear, not the storm. Is that final?
No. It is the single most common way a roof claim is closed, and it is a finding rather than a fact. Whether it stands depends on what can be established about the roof and the event, which is what the free review is for. Call 352-353-4556.
They approved a repair but the roof cannot really be repaired. What now?
That is the other half of most roof disputes. Matching, discontinued materials and damage on slopes nobody inspected all bear on whether a repair is realistic. It is worth having looked at before the file closes. Call 352-353-4556.
My roof claim was denied. Can it be reopened?
Often, yes. Florida allows supplemental and reopened claims, and a denial or a short payment can be revisited where the documentation supports it. There are deadlines, so early is better. Call 352-353-4556.
The roof is old. Does that rule out a claim?
Not automatically, though age will be raised. What decides it is what can be shown about the damage and its cause, not the age on its own. Call 352-353-4556 and we will tell you honestly whether it is worth pursuing.
What does this cost me?
The review is free. If we take the claim, the fee is a percentage of the claim payment, capped by Fla. Stat. 626.854 at 20% ordinarily and 10% for a claim arising from a declared state of emergency within the first year. No recovery, no fee. Call 352-353-4556.
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Public Loss Adjusters, LLC — Florida-licensed public adjuster, License #A161638. PO Box 560404, Montverde, FL 34756. On-site representation in Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties; remote claim work statewide. No recovery, no fee; fees are capped under Florida law. This page is educational and is not legal advice, not a guarantee of coverage, and not a promise of payment. Every claim turns on its own policy language and facts.