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Your roof is more than shingles or tiles. It is a system made up of multiple components that work together to protect your property from wind, rain, storms, and water intrusion.

When a roof is affected by a hurricane, windstorm, hailstorm, falling debris, or another reported loss, damage may involve more than the most visible roofing material.

At Roof Claim Adjusting, we are a licensed Florida public adjusting firm representing homeowners and businesses throughout Orlando and Central Florida. Our role is to help policyholders document property damage, review insurance claim information, prepare detailed estimates, communicate with insurance carriers, and advocate for the policyholder throughout the property insurance claim process.

We represent policyholders—not insurance companies.

Call Roof Claim Adjusting at 407-497-7093 to discuss your property insurance claim.

When property owners think about roof damage, they often think only about missing shingles or broken tiles.

However, a roofing system contains numerous components. Depending on the type and extent of the reported damage, documenting the affected areas may require looking beyond the roof covering itself.

Understanding these components can help property owners better understand what is being referenced in insurance estimates, inspection reports, repair estimates, and claim documentation.

Asphalt shingles are common on Central Florida homes and are directly exposed to severe weather.

Reported storm-related conditions may include:

• Missing or displaced shingles 
• Lifted shingles 
• Creased shingles 
• Torn shingles 
• Impact marks 
• Granule loss 
• Other visible physical damage 

Not every roof condition is caused by a covered event. Age, deterioration, installation issues, maintenance, and other factors can also affect roofing materials. The circumstances of the reported loss and applicable insurance policy matter.

Tile roofs are common throughout Florida.

Concrete and clay tiles can potentially be affected by wind, impact, falling debris, and other events. Documented conditions may include cracked, broken, displaced, or missing tiles.

When evaluating a property insurance claim, it can be important to distinguish the reported storm damage from unrelated pre-existing conditions.

Underneath the visible roofing material is an underlayment that forms part of the roofing assembly.

Although homeowners generally cannot see this component from the ground, it can become relevant when determining the scope of documented roof damage and repairs associated with a property insurance claim.

Roof decking provides the structural surface beneath the roofing system.

Water intrusion or significant roof damage may sometimes affect decking. Because decking is normally concealed beneath the roofing materials, some conditions may not become apparent until additional investigation or repair work occurs.

If additional damage is discovered during repairs, preserve photographs, documentation, estimates, and other information that may be relevant to the insurance claim.

Flashing helps manage water around vulnerable areas of a roofing system.

It may be installed around:

• Chimneys 
• Walls 
• Valleys 
• Roof penetrations 
• Vents 
• Skylights 
• Other transitions 

Loose, displaced, damaged, or otherwise affected flashing can become important when investigating the reported source of water intrusion.

Ridge caps cover areas where roof slopes meet near the highest points of the roof.

Because of their location, ridge materials can be exposed to significant wind forces during severe thunderstorms, tropical storms, and hurricanes.

Visible conditions should be documented when they are relevant to a reported property loss.

Roofing systems commonly contain vents and other penetrations.

These may include plumbing vents, exhaust vents, attic ventilation components, and other roof-mounted features.

Damage around these areas can sometimes contribute to water intrusion, which is why the surrounding roofing components may be relevant when documenting a claim.

Roof valleys occur where two roof slopes meet and direct water toward the drainage system.

Because valleys handle substantial amounts of rainwater, damage or other conditions in these areas can become important when investigating a reported roof leak or water intrusion claim.

A property insurance claim involving severe weather may extend beyond the primary roofing surface.

Gutters and downspouts can potentially show physical evidence of wind, hail, falling debris, or other storm-related impacts.

They may therefore be relevant when documenting the overall conditions following a reported storm event.

Soffit and fascia are important exterior components around the roof perimeter.

Strong winds, wind-driven rain, falling debris, and other storm conditions can potentially affect these areas.

Damage around the roof perimeter may also be relevant when investigating reported water intrusion.

Skylights involve multiple roofing components and transitions that can potentially be affected during severe weather.

Cracked materials, impact damage, damaged flashing, or other physical conditions around a skylight may contribute to reported water intrusion.

One of the most important reasons to document roof damage carefully is that the loss may not stop at the exterior.

When water enters a building, resulting damage may potentially involve:

• Attic insulation 
• Ceiling drywall 
• Interior walls 
• Paint and finishes 
• Flooring 
• Baseboards 
• Cabinetry 
• Electrical components 
• Personal property 

A ceiling stain may therefore represent only the visible portion of reported water intrusion.

A roof can appear relatively normal from the driveway even when there are conditions that warrant closer evaluation.

Following significant weather, property owners should avoid climbing onto their roofs themselves. Photograph visible conditions from safe locations and preserve information related to the date and circumstances of the reported loss.

Professional documentation can be particularly important when a claim involves disagreements regarding the cause, extent, or scope of property damage.

A public adjuster represents the policyholder during the property insurance claim process.

Depending on the circumstances, Roof Claim Adjusting may assist with:

• Property damage documentation 
• Roof damage documentation 
• Interior damage documentation 
• Insurance policy review 
• Detailed damage estimating 
• Claim preparation 
• Reviewing carrier estimates 
• Organizing photographs and supporting documentation 
• Communication with the insurance carrier 
• Insurance claim negotiation 
• Denied claim review 
• Underpaid claim review 
• Supplemental claim documentation 

Our role is not to perform roofing construction or sell a new roof. Our role is to represent the property owner during the insurance claim process.

An insurance carrier's estimate may identify individual roofing components and quantities.

If you believe documented damage or affected components are missing from your insurance estimate, Roof Claim Adjusting can review the available claim information.

This may include the carrier's estimate, photographs, measurements, repair estimates, inspection documentation, policy information, claim correspondence, and documentation of resulting interior damage.

A difference between estimates does not automatically mean a claim was underpaid. The documented property conditions, cause of loss, applicable policy provisions, and scope of covered damage should all be considered.

If your property has experienced hurricane, wind, hail, storm, roof, or resulting water damage, Roof Claim Adjusting can help you navigate the property insurance claim process.

Rickzardy Rivera — Florida Public Adjuster
License #W824507

Roof Claim Adjusting — Licensed Florida Public Adjusting Firm
Firm License #G339745

Serving Orlando & Central Florida

Call 407-497-7093