Roof Insurance Claims in Titusville, FL

The adjuster is coming Tuesday. The tarp has been on since the storm, you have sixty photos on your phone, and the roof was already 26 years old before the wind got to it. This site connects you by phone with an independent local roofing contractor who documents roof damage in north Brevard County. It is not a public adjuster, a law firm, or an insurer, and nothing here is legal advice.

What the crew does first

The contractor's job in a claim is documentation. They walk the roof and photograph each slope, count damaged shingles or panels, note where underlayment is torn, and check whether the boards under the opening are wet. They separate what the storm did from what was already worn, and on a 1990s roof over a 1960s deck that separation is the whole claim. Then they write a line-item scope: materials, quantities, labor, permit, and what has to come off to fix what is damaged.

Many contractors will meet the adjuster on the roof so both are looking at the same thing. What they do not do is promise what the insurer will pay, and a contractor who does is telling you something they cannot know.

What to do in the next hour

Photograph the damage inside and out before anything is moved. Get the roof tarped and keep the receipt; emergency protection is normally part of a claim, and your policy requires you to prevent further damage. Call your insurer and get a claim number.

Then find the declarations page and read three lines: the hurricane deductible, usually 2 to 5 percent of dwelling coverage on a named storm; the notice-of-claim deadline; and whether the roof is covered at replacement cost or actual cash value. A roof over a certain age on an actual-cash-value schedule pays out less, and on a Titusville roof from the 1990s that is worth knowing before Tuesday.

What is usually covered and what is not

Nobody on this site can tell you what your policy will pay. As a general pattern, sudden wind damage from a storm is the kind of loss a Florida homeowner policy is written for. Wear, age, gapped decking, and a leak that has been running since Irma are usually treated as maintenance and excluded. On an older roof the adjuster's question is whether the storm caused the damage or found it, and the contractor's photos and scope are what answer that.

Once the insurer issues its decision, the repair is a storm damage or replacement job with a permit pulled through the city or the county. A disputed claim is a job for a licensed public adjuster or an attorney, not a roofer, and the state's Division of Consumer Services runs a helpline and a mediation program for property claims.

North Brevard notes: the Florida rules that changed

Florida rewrote its property insurance law in December 2022. A new claim must be reported within one year of the date of loss, down from two, and a supplemental claim within 18 months. Assignment of benefits, where a contractor takes over your claim, is not allowed on residential policies issued on or after January 1, 2023, so the claim stays in your name. And since May 2022 a carrier cannot refuse to renew solely for roof age if the roof is under 15 years old or an inspection shows five or more years of life left.

The Florida Office of Insurance Regulation publishes the wind-mitigation form (OIR-B1-1802) that carriers price from, and a new roof documented on that form is often what changes a renewal quote. Many north Brevard homeowners who lost private coverage after the 2004 storms or after Irma ended up with Citizens Property Insurance, the state-backed carrier, which has its own roof-age and inspection rules at renewal.

A roof inspection report from before the storm is the single most useful document in a claim, because it proves what the roof looked like the week before.

Calling about a roof claim

Have the address, the storm date, the claim number, the adjuster's visit date if scheduled, and your policy's declarations page. Say the year of the roof and whether it is tarped. Call (321) 490-0701.