Roof Damage Insurance Claims in Florida

Emergency Tips when faced with Roof Damage in Florida Homes


  • Contact Labrador Claims Consultants for a FREE Consultation
  • Move all items out from beneath the leak and away from any splashing area
  • Have a tarp placed on the roof as soon as it is safe to do so.
  • Place a bucket underneath the leak to collect water and protect from further damage
  • Identify what kind of roof you have.
  • Take photos of the damage


  • Attempt to fix the leak yourself. You may actually create more damage.
  • Attempt to get on the roof, particularly during severe weather conditions.
  • Leave the floor wet.


  • Shingles missing or on the ground
  • Ceiling Discoloration
  • Damaged flashing
  • Curling shingles
  • Missing granules
  • Shingle granules in gutters


One of the most common types of property damage to Florida residential or commercial real estate is roof damage. The following type of damage is typically covered by your homeowner’s policy:

  • Windstorm
  • Hail
  • Lightning
  • Fallen trees or limbs on a roof
  • Fire

Factors such as the roof material, age, condition, surroundings and location will determine how your roof will respond to the elements.

Florida roofs are constantly exposed to storms, hail, wind, rain, and hurricanes. In the event of a storm, Homeowners should be prepared to deal with a roof leak quickly.


  • Water damage to ceilings, walls or floors
  • Structural damage
  • Electrical
  • Personal property
  • Air conditioning unit
  • Rot
  • Mold

Mold contamination should be taken very seriously. It may cause severe illness in humans and considerable damage to property. Insurance company representatives often quote a policy exclusion for mold, even when coverage may exist for your mold damage.

If you suspect that your Florida roof has damage, prior to contacting your insurance company, contact Labrador Claims Consultants, Inc. for a free inspection of your roof. We will be able to assess the condition of your roof, and other damages to your home. At that time, we can advise you whether or not to submit a claim with your insurance company. You do not want to submit a claim with your homeowner’s insurance company if your roof has little or no damage that would be covered under your policy.


Your Florida insurance company may try to deny your roof claim because of the age of your roof. They may also want to pay for only a portion of your roof. At Labrador Claims Consultants, we are able to reopen your claim and fight for the settlement you deserve. Contact our office for a free in-home consultation.


1. Get a Free Inspection
For new, denied or underpaid claims, Labrador Claims will come out and assess the damage to your property and on your roof.
2. File Your Claim
Labrador Claims will file or reopen your claim and handle any and all phone calls, correspondence and inspections on your behalf.
3. Get an Estimate
We take inventory of the loss and prepare an accurate estimate for the restoration, reparation and replacement of your damaged property.
4. Claim Offer
We ensure that you are properly compensated for your damages.
5. Receive Your Funds
Receive your check from your Insurance Company, so that you can repair your home.

Florida roofing companies typically like to canvas neighborhoods after a storm has occurred. They might require you to sign a contract, (also known as an Assignment of Benefits, or AOB) in order to inspect your roof and submit a claim. Once the AOB is signed, you might be giving away rights to your claim to that specific roofing company or contractor. We do not recommend you sign an AOB to handle your claim. Only a licensed Florida Public Adjuster  or Florida attorney can legally represent you. Once you receive the funds from your claim you are free to choose the contractor to complete the repairs. However, if you sign an AOB, you lose the freedom to choose and will be required to use that specific company to do the work on your property.

Contact Labrador Claims at 407-733-9997 for a free inspection, if you suspect that a hailstorm has possibly damaged your home.

Our experts will:

  • Inspect your property and document all your damages
  • Review your policy and coverages
  • Handle all communication and meetings with your insurance company
  • Ensure you are properly compensated for your loss

The insurance company employ adjusters to represent their rights, and so should you.

Information Needed When Filing A Claim

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

Policyholder information: Name of insured, address, phone number, e-mail and policy number
Description of loss: Time and date of loss, location of incident, detailed description of damages
Authority notification: Note all authorities notified (fire dept., police, etc.)
Damage Mitigation: Advise if you have already contacted any emergency service companies or performed any sort of damage mitigation.

If you are not sure if you need a public adjuster, give us a call at (407) 733-9997 or fill out one of our contact forms.
LICENSECompany Info
Labrador Claims Consultants, Inc.
Public Insurance Adjusters

Albert & Rita Labrador
Lic. # A147436 & Lic. # E165449

HOURSWorking Hours

Monday – Friday: 9AM – 5PM
Saturday: 10AM – 5PM
Sunday: Closed

Business Listings

GET IN TOUCHVisit Our Social Media
Follow us on our social media accounts.
BBB A+ Rated

LICENSECompany Info
Public Insurance Adjusters
Orlando, Florida

Albert & Rita Labrador
Lic. # A147436 & Lic. # E165449

HOURSWorking Hours

Monday – Friday: 9AM – 5PM
Saturday: 10AM – 5PM
Sunday: Closed

Business Listings

GET IN TOUCHVisit Our Social Media
Follow us on our social media accounts.

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