How a Florida roof insurance claim actually works.
Wind, hail, and storm damage claims move faster and get scoped more accurately when the documentation is right from day one. Here's exactly what Crownline does — and exactly what we don't.
What a wind or storm damage claim actually involves
Document
Photos and video of the damage, dated and organized before anything gets touched.
Inspect
A full roof inspection identifying the extent and cause of damage.
Scope
A written estimate using the line-item format most Florida insurers already expect.
Meet the adjuster
We can be on-site when the insurance adjuster inspects, pointing to documented damage.
Supplement if needed
If the insurer's initial scope misses documented damage, we submit a supplement request.
What to do first
Do this
- Photograph visible damage from the ground — don't climb onto a damaged roof.
- Note the date and time of the storm event.
- Call your insurer to open a claim and get a claim number.
- Request a free inspection so damage is professionally documented before the adjuster visit.
What we bring to the adjuster meeting
- Dated photo/video documentation of the damage.
- A written scope, including applicable Florida wind-zone/ASCE 7 wind-uplift requirements a repair or replacement must meet.
- A clear explanation of what's damaged, what code requires, and why.
Crownline is a licensed roofing contractor. We are not a public adjuster.
Public adjusting is a separate, licensed profession in Florida. We document damage, write scopes, and can meet the adjuster on-site to point to what we found — but the insurance carrier makes the coverage decision, not us, and we do not guarantee claim approval or a specific settlement amount. If you want someone to represent you directly in a coverage dispute, that's a licensed public adjuster or an attorney, and we'll say so plainly if that's the right move for your situation.
[Confirm current Assignment of Benefits (AOB) stance with counsel before publishing specific language here.]
Storm damage? Start with documentation, not a guess.
Free inspection, real photos, a scope your insurer can actually work with.