Roof Insurance Claim Support
Storm damage your roof? We provide professional inspections and detailed documentation to support your insurance claim. You file the claim — we give you the evidence to back it up. Serving Sarasota and 20 cities across the Florida Gulf Coast.
How the Process Works
A transparent, step-by-step approach to helping you navigate storm damage repairs.
You Call Us
Contact Premium Roofing after you notice storm damage or suspect your roof has been compromised. We schedule an inspection at your earliest convenience.
We Inspect & Document
Our team performs a thorough inspection of your roof — ground-level and drone photography, damage measurements, material assessment, and a written findings report. This documentation package is yours to keep.
You File Your Claim
You contact your insurance company to file your claim and submit the documentation we provided. The decision to file is always yours. We provide the evidence — you control the process.
Your Insurer Sends an Adjuster
Your insurance company will send their own adjuster to inspect the damage. Having professional documentation from an independent contractor gives your claim credibility and creates a comparison point.
We Provide Supplemental Documentation If Needed
If the insurer's assessment falls short of what the damage requires, we prepare detailed supplemental documentation explaining the discrepancy — specific line items, code requirements, and material specifications. You submit this to your insurer.
We Repair Your Roof
Once your claim is settled — or if you choose to proceed regardless — we execute the repair or replacement. You pay us directly from your insurance proceeds plus your deductible.
What We Provide
Professional documentation that gives your claim the best chance of a fair outcome.
Professional Roof Inspection
Complete assessment of all roof surfaces, penetrations, flashing, and drainage. We document what we find — no exaggeration, no minimizing.
High-Resolution Photography
Ground-level and drone photos of every damage area, geotagged and timestamped. Clear, professional documentation that adjusters take seriously.
Detailed Written Report
A professional findings report with damage descriptions, affected areas, material identification, and overall roof condition assessment.
Itemized Repair Estimate
Line-by-line breakdown of materials, labor, permits, and code-required upgrades. A good-faith estimate you can provide to your insurer as part of your claim.
Supplemental Documentation
If your insurer's initial settlement doesn't cover the full scope of necessary repairs, we prepare detailed supplemental estimates explaining exactly what was missed and why it matters.
Code Compliance Guidance
Florida Building Code may require upgrades when re-roofing (underlayment, fastening patterns, wind mitigation). We document all code-required work so your claim reflects the true scope.
Important Deadlines
Florida law has strict timelines for property insurance claims. Know your windows.
from date of loss to file a new claim (Fla. Stat. §627.70132)
Reduced from 2 years by SB 2-A (2022)
from date of loss to file a supplemental claim
Reduced from 3 years by SB 2-A (2022)
for your insurer to acknowledge your claim
Reduced from 14 days by SB 2-A (2022)
for your insurer to pay or deny your claim
Reduced from 90 days by SB 2-A (2022)
What You Should Know
Florida's property insurance landscape has changed significantly. Here's what matters.
You File Your Own Claim
Under Florida law (SB 2-A, effective January 1, 2023), assignment of insurance benefits is no longer permitted. This means the homeowner — not the contractor — files and manages the insurance claim. We provide professional documentation to support your claim, but you are in control of the process from start to finish.
Your Deductible Is Your Responsibility
Florida law makes it a felony for any contractor to pay, waive, or absorb your insurance deductible. If a contractor offers to "cover your deductible" or give you a "free roof," they are breaking the law. We collect the deductible as required and are transparent about all costs from the beginning.
Documentation Is Everything
The most common reason roof claims are denied in Florida is "pre-existing damage." Professional documentation with timestamped photos and detailed reports creates the evidence trail that distinguishes storm damage from normal wear. Without it, the insurer's adjuster has the only assessment on file.
Don't Wait
You now have only one year from the date of loss to file a new property insurance claim in Florida. Supplemental claims must be filed within 18 months. These deadlines are significantly shorter than they were before 2023. If you suspect storm damage, schedule an inspection and file your claim promptly.
Required Notices
The consumer is responsible for payment of any insurance deductible.
It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to a property covered by a property insurance policy.
It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.
Required disclosures per Fla. Stat. §489.147(1)(a)
Frequently Asked Questions
Common questions about storm damage repairs and the insurance claim process.
Storm Damage? We're Here to Help
Schedule a free inspection. We'll document the damage and provide you with everything you need to support your insurance claim.