We Attend Adjuster Meetings
Our team is present during your inspection to make sure all damage is documented.
We Maximize Your Claim
We know what adjusters look for and ensure nothing is missed or undervalued.
We Handle the Paperwork
From the initial claim to the final supplement, we manage the documentation.
24/7 Emergency Response
We're available around the clock for emergency tarping and storm damage assessment.
The 6-Step Claim Process
Follow these steps to protect your rights and maximize your settlement.
Document the Damage Immediately
Before any cleanup or temporary repairs, photograph and video every area of damage — roof, gutters, soffits, fascia, and any interior water damage. Date-stamp everything. This evidence is critical to your claim.
- Shoot from multiple angles
- Include close-ups and wide shots
- Document interior ceiling stains or leaks
- Note the date and time of the storm
Call Your Insurance Company
Report the damage to your insurer as soon as possible — most policies require prompt notification. Get a claim number and ask for the name of your assigned adjuster. Keep a log of every call.
- Have your policy number ready
- Ask about your deductible upfront
- Request a written confirmation of your claim
- Ask about temporary repair coverage
Protect Your Home (Temporary Repairs)
Make only temporary repairs to prevent further damage — tarping, boarding windows, etc. Keep all receipts. Do NOT make permanent repairs before the adjuster inspects. Most policies cover reasonable emergency mitigation costs.
- Save every receipt for materials
- Don't throw away damaged materials
- Take photos before and after tarping
- We provide 24/7 emergency tarping
Meet With the Insurance Adjuster
The adjuster works for the insurance company — not for you. Having a licensed roofing contractor present during the inspection is your right and your best protection. We attend adjuster meetings at no charge.
- Request advance notice of the inspection
- Have your contractor present
- Point out all damage — don't assume they'll find it
- Ask for a copy of the adjuster's report
Review the Settlement Offer
Once the adjuster files their report, your insurer will issue an Explanation of Benefits (EOB) and a settlement offer. Review it carefully. If the offer seems low, you have the right to dispute it — and we can help.
- Compare the offer to contractor estimates
- Check for depreciation deductions
- Understand ACV vs. RCV coverage
- You can request a re-inspection
Select Your Contractor & Begin Repairs
Choose a licensed, insured Florida contractor — not a storm chaser from out of state. We work directly with your insurance company, handle the paperwork, and ensure the repair meets Florida building code.
- Verify Florida license (CCC or CBC)
- Never sign an Assignment of Benefits (AOB)
- Get a written contract with scope of work
- Confirm permit will be pulled
Red Flags to Watch Out For
After a major storm, unscrupulous contractors flood the area. Protect yourself:
- Contractors who ask you to sign an Assignment of Benefits (AOB) before work begins
- Out-of-state "storm chasers" who appear after every hurricane
- Anyone who offers to waive your deductible — this is insurance fraud
- Contractors who won't provide a Florida license number
- Pressure to sign immediately without reviewing the contract