Need help understanding your insurance claim? Don't worry, you are not alone. Most likely your insurance adjuster needs help too! We are more than willing to help you through the process to make sure that your roof is restored! Let us help you along the way!
We make sure every roof is professionally measured and that all aspects of your new roof is addressed with your insurance claim. Are your gutters nailed into your drip edge? If so your insurance company must compensate you. Did your insurance company pay for you to re-nail the wood decking to Florida Building Code Standards? Was the fact that a permit is required to replace your roof considered? Let us review everything to ensure you can hire a local licensed professional to complete your work.
How does a Hurricane deductible work?
In Florida, a hurricane deductible will apply to any damage to your home or business sustains. Homeowners are responsible for first paying the deductible. Covered damage that exceeds your deductible will be paid by the insurance company. Generally, hurricane deductibles in Florida range from 2% to 10% of the insured value of the home. So, if your home is insured for $200,000 with a 2% hurricane deductible, your hurricane deductible is $4,000. This is an annual deductible. so if you have 2 different hurricane losses in one calendar year and you already exceeded your deductible during the 1st hurricane, you will not have to pay a deductible during the rest of the policy period. We recommend reporting your claim even if it appears to be less than your deductible.
SECTION 611.1.1 of the 2010 Florida Building Code: Re-Roofing:
Section 611 of the current Florida Building Code outlines the situations under which roofs on existing structures need to be made compliant with the current building code. This section requires that roof repairs to existing roofs and roof coverings shall comply with the provisions of the Code. Specifically, the Code requires:
611.1.1 Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12 month period unless the entire roofing system or roof section conforms to requirements of this code.
Under section 611.1.1, if more than 25% of the roof surface is to be repaired, then the entire roof needs to be in compliance with the Code.
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