Roof Protection Plan
Florida insurers denied 129,348 Hurricane Milton claims with zero payout. The #1 denial reason? "Pre-existing damage." Our biannual documentation plan creates the professional paper trail that proves your roof was in good condition before the storm — for just $1 a day.
The Numbers Don't Lie
Florida's insurance crisis is not slowing down. Here's what homeowners are up against.
Hurricane Helene claims denied (2024)
Milton claims closed with $0 payout
Average denied claim amount
Cost of our Protection Plan
Why Documentation Matters
The data behind the crisis — and why a paper trail is your strongest defense.
Florida insurance claims were denied in 2023-2024
Source: Weiss Ratings / FL OIR
"Pre-existing damage" — the most common denial reason for roof claims in Florida
Source: Insurance Information Institute
Florida insurance carriers went insolvent since 2020
Source: FL DFS Receivership Records
Average annual FL home insurance premium — nearly 4x the national average
Source: Insurify 2025 Report
Of Florida homeowners are now completely uninsured
Source: Newsweek / FL OIR
Higher settlements for claims with professional documentation
Source: FL OPPAGA Research
What's Included
Everything you get with the Roof Protection Plan — for $365 per year.
Biannual Professional Inspection
Two visits per year — one before hurricane season (May) and one after (December). Each visit includes a full walk of every accessible roof surface, checking for wear, damage, lifted materials, flashing integrity, and drainage.
Timestamped Photo Documentation
High-resolution photos from ground level and drone (when conditions allow) documenting every section of your roof. Each photo is timestamped and geotagged — creating an irrefutable record of roof condition.
Written Condition Report
A professional report summarizing the current state of your roof, noting any areas of concern, maintenance recommendations, and an overall condition rating. This becomes part of your permanent file.
Insurance-Ready File
All documentation is organized and stored so it can be immediately provided to your insurance carrier in the event of a claim. Before-and-after comparison becomes undeniable when you have a professional baseline on file.
Priority Storm Response
Plan members get moved to the front of the line after major weather events. When a hurricane hits and every roofer in Sarasota is booked out for months, you get a call back first.
Maintenance Recommendations
Each inspection includes actionable recommendations — small fixes that prevent big problems. A $200 sealant repair today can prevent a $20,000 claim denial tomorrow.
The Math Is Simple
You pay $8,292 a year for insurance that denies half of all claims. For $365 more, you make sure those premiums actually pay off when you need them.
Florida's Insurance Crisis
Understanding what you're up against as a Florida homeowner.
Carriers Are Leaving
More property insurers have gone bankrupt in Florida than in all other 49 states combined. Since 2020, 15 carriers have declared insolvency. State Farm, Allstate, Farmers, AAA, and AIG have all stopped writing new homeowner policies in Florida. When your carrier disappears, your documentation doesn't.
Premiums Are Skyrocketing
The average Florida homeowner now pays $8,292 per year for home insurance — nearly four times the national average. Some areas have seen premiums increase 200-300% since 2020. Despite paying more than almost anyone in the country, Florida homeowners face the highest denial rates in the nation.
Claims Are Being Denied
After Hurricane Helene (2024), 53% of residential claims were closed without payment. After Milton, 35% were denied. Even Citizens Property Insurance — the state's insurer of last resort — denied over 50% of claims in 2023. The pattern is clear: filing a claim does not mean getting paid.
Documentation Is Your Defense
Insurance companies deny roof claims by arguing the damage was pre-existing — that it was there before the storm. Without professional documentation proving otherwise, homeowners have no leverage. A biannual inspection with timestamped photos and a written condition report creates an evidence trail that adjusters cannot dismiss. Research from OPPAGA (the Florida Legislature's research arm) found that claims with professional documentation receive settlements 574-747% higher.
How It Works
Simple enrollment, professional execution, peace of mind.
Enroll
Call us or fill out the form below. We set up your annual plan and schedule your first inspection.
We Inspect
Our team performs a thorough roof inspection — every surface, every penetration, every flashing detail. Photos and drone footage included.
We Document
You receive a professional condition report with timestamped photos, condition ratings, and maintenance recommendations. We keep a copy on file.
You're Protected
If a storm hits, you have a professional baseline on file. We help you compile your documentation package for your insurance claim.
Is This Plan Right for You?
The Roof Protection Plan is designed for Gulf Coast homeowners who want to be proactive, not reactive.
Frequently Asked Questions
Everything you need to know about the Roof Protection Plan.
Don't Wait for the Next Storm
129,348 homeowners learned the hard way after Hurricane Milton. For $1 a day, make sure you're not one of them.
Serving all 20 cities across the Sarasota to Marco Island corridor.