The Truth About Roof Insurance Claims in Florida (And How to Win Yours)
Let’s talk about the elephant on the roof: Florida’s insurance system is a warzone—and the average homeowner is stuck in the middle. If you’ve recently experienced wind damage, hail, or a tropical storm in Jacksonville, Nassau, or St. Johns County. Navigating your roof insurance claim can feel like a trap.
Too many homeowners get denied or underpaid because they didn’t understand the game insurance carriers play.
At Morgan Conley Roofing, we’ve helped hundreds of Northeast Florida homeowners document damage, navigate adjuster visits, and fight for every dollar they’re owed. This guide is the no-BS version of what it really takes to win your roof insurance claim.
📸 Step 1: Document Damage Immediately
After the storm clears, don’t wait for water to drip through the ceiling.
Take these actions before calling your insurance company:
✅ Take photos and videos of shingles, soffits, gutters, interior ceilings
✅ Zoom in on lifted, missing, or creased shingles
✅ Use a drone or call us—**we’ll document for free**
✅ Check your attic for moisture or insulation compression
✅ Save news articles about the storm event
🧾 Step 2: Schedule a Roof Inspection (Before You File)
This is critical: Let a licensed roofing contractor inspect your roof before filing the claim.
Why? Because once you file, the clock starts ticking—and if the adjuster shows up before you're ready, you could miss your one shot to prove damage.
📍 At Morgan Conley Roofing, we hand-measure your roof, inspect the attic, and document every slope. We prepare an inspection report designed to support your insurance claim—at no cost to you.
🏠 Step 3: File the Claim (Strategically)
When you're ready, file your claim online or by phone. Use these best practices:
- Be brief and factual (“Wind lifted shingles on back slope during storm on July 10”)
- Request your adjuster meeting be done with your roofer present
- Get a claim number, adjuster name, and appointment date
We’ll meet the adjuster on-site and walk the damage with them.
💣 Step 4: Beware These Claim Pitfalls
Homeowners lose thousands by trusting the wrong people. Here are costly mistakes we see every week:
❌ Filing without photos or a roofer present
❌ Letting the adjuster do a "drive-by" inspection
❌ Signing with contractors who ask for your full claim check before starting work
❌ Accepting lowball offers without reviewing your policy
❌ Missing hidden damage (e.g. decking, underlayment, flashing)
📚 Step 5: Know What’s Covered in Florida (And What’s Not)
Here’s what’s usually covered under a standard Florida homeowners policy:
Covered Not Covered
Wind/Hurricane damage Wear and tear from age
Hail damage Poor workmanship
Tree limb impact Leaks from deferred maintenance
Water intrusion from storm opening Gradual damage over time
You typically have 1 year to file from the date of loss—but don’t wait. The longer you delay, the harder it is to prove storm-related damage.
🧠 Pro Tip: Leverage Wind Mitigation Reports
Florida law allows for wind mitigation inspections that could lower your premiums AND strengthen your insurance claim documentation.
Ask us about adding:
✅ Secondary water barriers
✅ Proper nail spacing (decking)
✅ Upgraded shingles and starter strips
🔧 What We Do for You (That Most Roofers Don’t)
We photo-document damage and provide a detailed report for your claim
We meet your insurance adjuster in person
We do not take upfront payment—we wait for insurance to process
We educate you on your rights under Florida statutes
We protect your roof with emergency tarping if needed
You’re not alone—we’re your advocate.
🔚 Final Word from MCR
Insurance doesn’t have to be intimidating. You just need someone who knows the system and puts you first—not the carrier📲 Call/text Morgan Conley Roofing at 904-490-8390 and book your free roof damage inspection today! We’ll show up, suit up, and go to bat for your roof like it’s our own.
This is Roofing the Right Way™. This is the Roofing Revolution.🔥
