Real Florida Property Insurance Claim Case Studies

 Following a significant wind event, a property owner may notice obvious problems such as missing roofing materials or a new roof leak. Other conditions may be less noticeable without a closer inspection.

Potential signs associated with storm-related roof damage can include:

• Missing or displaced shingles 
• Lifted or creased roofing materials 
• Damaged flashing or roof components 
• Damage around vents and penetrations 
• Water intrusion 
• Ceiling stains 
• Interior drywall or insulation damage 
• Debris or roofing materials around the property 

The presence of these conditions does not by itself establish insurance coverage. The cause of loss, policy terms, documentation, and circumstances of each individual claim must be considered.

 Documentation can be an important part of the property insurance adjustment process.

For a qualifying wind damage claim, Roof Claim Adjusting may assist with documenting reported damage to the roof, exterior building components, and affected interior areas.

Depending on the circumstances of the loss, claim documentation may include photographs, measurements, inspection information, estimates, damaged areas, interior water intrusion, insurance correspondence, and other relevant supporting information.

Our objective is to create an organized record of the reported property damage and present applicable claim information to the insurance carrier.

 An insurance carrier may inspect the property and prepare its own estimate or coverage determination.

Property owners sometimes have questions about whether the carrier's estimate accounts for all reported damage associated with the loss.

Roof Claim Adjusting can review available claim documentation, insurance correspondence, estimates, measurements, and reported property conditions as part of our representation of the policyholder.

When appropriate, additional documentation can be prepared and presented during the adjustment process.

 Wind-related roof damage can sometimes lead to water intrusion.

When water enters a property, the resulting conditions may extend beyond the roofing system and potentially affect ceilings, drywall, insulation, flooring, paint, or other interior components.

That's why documenting both exterior and interior conditions can be important when evaluating a reported property loss.

Property owners should also take reasonable steps required by their policy to protect the property from additional damage while preserving photographs, receipts, estimates, and other relevant records.

 Roof Claim Adjusting assists qualifying Orlando property owners throughout the property insurance adjustment process.

Our public adjusting services may include reviewing claim information, documenting reported property damage, preparing estimates and supporting documentation, assisting with inspections, reviewing insurance-company estimates and correspondence, and communicating with the insurance carrier on behalf of the policyholder.

Our role is different from the insurance company's adjuster. 

Roof Claim Adjusting represents the policyholder. 

If your Orlando property suffered roof damage following a windstorm or severe weather event, or you have questions about how an existing property insurance claim is being adjusted, Roof Claim Adjusting can help you understand the claim process and your available options.

Roof Claim Adjusting
Orlando & Central Florida Public Adjuster
407-497-7093
RoofClaimAdjusting.com

Every insurance policy and property loss is different. Coverage and claim payments depend on the applicable policy, facts, documentation, and circumstances of the individual loss. Past results do not guarantee future outcomes.