Will my homeowners insurance pay for a new roof?
It depends on what caused the damage.
- Florida homeowners insurance typically covers roof damage caused by covered perils — hurricanes, hail, or fallen trees.
- Damage from normal aging, wear and tear, or poor maintenance is generally not covered.
- Insurers look for evidence the damage came from a recent storm — not a pre-existing issue.
- A professional roof inspection with photos and written documentation can help support your claim.
- If you notice missing shingles or signs of storm damage, don't wait — addressing it early may prevent further damage and complications.
Why is my insurance company requiring me to replace an older roof?
Got a notice to replace your roof or risk losing coverage? Here's why.
- Many insurers closely evaluate roofs once they're around 15–20 years old.
- Older roofs are more likely to fail during hurricanes and severe storms.
- Some insurance companies may issue a non-renewal notice if the roof isn't replaced.
- A roof inspection helps you understand your roof's real condition — and your options before the deadline.
What's the difference between ACV and RCV roof coverage?
Whether insurance covers a full replacement depends on which one you have.
ACV
Actual Cash Value
Pays your roof's depreciated value after wear and age are deducted. More out of pocket for you.
RCV
Replacement Cost Value
Helps pay the full cost to replace your roof, subject to your policy terms.
- Many Florida insurers now offer ACV roof coverage, which can significantly increase your out-of-pocket costs after a claim.
- Reviewing your policy before storm season helps you avoid unexpected expenses.
- If you're unsure which you have, ask your insurance agent — and have your roof professionally inspected.
What is a hurricane deductible, and how is it different from my regular deductible?
Think your deductible is always $1,000? After a hurricane, it could be much higher.
- A hurricane deductible only applies to damage caused by a named hurricane.
- Unlike a regular deductible, it's usually 2–5% of your home's insured value.
- Your standard deductible typically applies to non-hurricane claims, like fire or theft.
- Knowing your hurricane deductible ahead of storm season helps you avoid costly surprises.
On a $400,000 policy, a 2% hurricane deductible means you pay the first $8,000 before insurance covers the rest. Check your policy now, not after the storm.
Should I call my insurance company or a roofer first after storm damage?
In most cases, call your insurance company first.
- Report the damage to your insurer to open the claim.
- They may send an adjuster or recommend getting a contractor inspection.
- A licensed roofer can then document the damage with photos and provide a detailed inspection report.
- Don't make permanent repairs until your insurer advises it's okay — unless the work is necessary to prevent further damage.
- Acting quickly keeps the claims process moving and protects your home.
Windows damaged in the same storm?
Impact windows can also earn you a wind mitigation discount on your policy.
Impact window FAQs →
What we do — and what we don't
We inspect your roof, document the condition with photographs, and give you a written report and estimate you can submit to your insurer. We are licensed roofing contractors — not public adjusters or insurance agents. We don't negotiate your claim or give you advice about your policy; your insurer and your agent do that. This page is general information about how roof claims usually work in Florida, not advice about your specific policy.
