Homeowner's Roof Claims

  Your home's roof protects your home and everything in it. It can be one of the more costly parts of a home for an insurance company to repair or replace, and accordingly insurance companies often hire "expert" roofers or engineers who claim that the problem is an installation error, maintenance problem, or a manufacturing defect. Similarly, insurance companies often try to save money by making minor repairs or patches instead of necessary larger repairs or full roof replacements.

There is a surprising variety of roofs and roofing materials in Florida including slope roofs, flat roofs, membrane roofs, bitumen torch down roofs, three-tab shingled roofs, architectural shingled roofs, tile roofs, and concrete roofs. Ben works with only the most qualified and ethical roofers, architects, contractors, and engineers to determine what actually caused your roof damage and how to best and most completely fix it.

Possible sources of recovery in a roof claim include:

• The replacement cost of the entire roof
• The replacement cost of the roof substructure
• The replacement cost of the contents damaged as a result of the roof damage
• Loss of use of your home
• Business interruption

Ben can work with you to initiate your roof claim or get involved once your insurer attempts to deny or underpay your claim. Many roofing contractors in Florida work under an assignment of insurance benefits ("AOBs") which allows them to perform your repairs immediately and then collect directly from your homeowner's insurance company. Florida law recently changed with respect to AOBs with the passage of Florida Statutes §627.7152. This new law introduced a host of new requirements for AOBs which are a minefield for the inexperienced. Making sure that any AOBs involved in your roof claim are legally compliant is just another way Ben makes sure that your roof claim has no leaks.

Florida insurance companies have gotten increasingly aggressive in their attempts to limit and outright deny roof claims after several costly storm and hurricane seasons. Don't settle for what your insurance company wants to pay you--get what you are owed. 

If you think you may have a roof claim, call Ben for a free case review. 

There are never any attorney's fees or costs unless we win a jury award or settlement--even then, your insurance company could be responsible for paying the legal fees for both parties.

No Recovery, No Fee, period. 

Insurance company trying to delay, deny, or short-pay your roof claim? GET BEN!