Insurance and claims

General documentation tips. Cover depends on your policy wording: sudden storm, wind or hail damage is treated differently from wear and tear.

Document

• Photograph damage inside and, from the ground, outside — do not climb onto the roof.
• Note the date of the storm or when the leak started.
• Keep receipts for emergency tarping or sheeting and anything you replace.

Claim

Notify your insurer as your policy requires. A roofer can describe the damage and the work needed; they do not replace your claim or give legal advice. Florida law limits how roofers may solicit insurance-claim work.

Not legal or insurance advice.