Will My Insurance Cover Roof Damage?

Many Florida homeowners ask this question after a storm rolls through. The answer depends on two things: your policy and what caused the damage.

Here's what you need to know:

• Storm damage is often covered (hurricane, hail, wind).

• Wear and tear or lack of maintenance usually is not.

• Neglect or old age? These are almost always excluded.

• Roof age can impact how much your insurer pays out.

• Documentation matters. A professional inspection helps prove the damage was storm-related and not due to age.

At Roof Nuts, we inspect your roof, document the damage, and work directly with all major insurance carriers. We even help you file the claim.

FAQ: Roof Insurance in Florida

Does homeowners insurance cover roof leaks?
Yes—if the leak is caused by a covered peril like wind, hail, or fallen debris. Leaks from old roofs or poor maintenance typically aren’t covered.

Will my claim be denied if my roof is old?
Possibly. Many Florida insurers prorate claims or deny coverage if the roof is over 10–15 years old. An inspection from Roof Nuts can help determine your options.

Should I get an inspection before filing a claim?
Yes. A licensed inspection from a trusted roofer like Roof Nuts ensures you have the documentation needed to support your claim.

How do I file a roof insurance claim in Florida?
We handle that for you. From inspection to adjuster coordination, Roof Nuts walks you through every step of the claim process.

Will my insurance premium go up if I file a claim?
In Florida, claims from named storms typically don’t raise premiums the same way non-storm claims might—but check your specific policy to be sure.

Why Choose Roof Nuts?

• We know Florida building codes and insurance policies

• Free roof inspections with full documentation

• We work directly with your insurance adjuster

• Serving homeowners across Jacksonville, Miami, Tampa, Orlando, St. Petersburg, and more

📞 Call Roof Nuts at 904-694-3426 to schedule your inspection and get expert help with your claim.