Insurance

Insurance Claims

Storm Damage? Your Insurance may cover 100% of Your New Roof

Many South Florida homeowners don’t realize that their homeowner’s insurance policy may cover the full cost of a new roof after storm damage — including wind damage from tropical storms and hurricanes, hail damage, and damage from falling debris.

The key is working with a roofing contractor who understands the claims process and Florida’s strict code requirements. At Cole Roofing, we have worked with every major insurance carrier operating in Florida. We document damage thoroughly, prepare detailed repair scopes that meet code, and attend adjuster meetings on your behalf to ensure nothing is overlooked.

Important: Florida law allows you to choose your own roofing contractor. Your insurance company cannot require you to use their “preferred” contractor. You have the right to select a licensed contractor you trust.

Step-by-Step Guide

How the Insurance claim process works

1. Call Cole Roofing First

Before calling your insurer, let us inspect the damage and document it properly with photos, measurements, and a detailed report aligned with Florida code requirements.

2. File Your Claim

We help you file the claim with the correct damage codes and supporting documentation to maximize your settlement and reduce back-and-forth with your carrier.

3. Adjuster Meeting

A Cole Roofing representative attends the insurance adjuster’s inspection to ensure all damage is identified, properly documented, and included in the scope.

4. Claim Approval

Your insurer approves the claim and issues payment. We review the settlement to ensure it covers all necessary work to bring your roof to current Florida code compliance.

5. Roof Replacement

We complete your new roof using structured processes and quality controls. You pay only your deductible — your insurance covers the rest.