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Filing a Roof Insurance Claim? Should It Be Repaired or Replaced?

Roof damage in Florida is the most common type of hurricane insurance claim we see after a hurricane, hail event, or wind storm. These types of weather phenomena can cause substantial roof damage. It could either be just a few loose shingles, or the destruction of the entire roof structure.

This is when you need to consider taking a roof insurance claim. Think about the most recent hurricane to hit Florida soil, Hurricane Irma. Some Miami homes only lost a few shingles, but other homes lost entire sections of their roofs, especially in the Florida Keys.

The odds of your home specifically being threatened is just as likely as your neighbors. Miami Dade County needs to make sure they are protected this storm season. At Your Insurance Attorney, our insurance lawyer will aid you to understand all you need to know regarding roof damage involving insurance companies.

Do Not Wait To Fix The Damage

Once roof damage affects your home, it is imperative to get your roof repaired or replaced as soon as possible. Just because the storm is over, does not mean a new storm won’t come next week. As a Florida resident,  you know storm season is unpredictable. Some years the several hurricanes hit the state in one summer. The longer you wait, the more time your home is vulnerable to get attacked by another storm.

If you have a roof that doesn’t have all the necessary repairs not completed on time and only a quick patch job is performed, you are asking for an even more significant problem later.  

The 25% Rule In Regards To a Roof Insurance Claim

Get familiar with the 25% rule. The rule is as follows:

  • 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.

There are some key elements to understand while becoming familiar with this rule. First, if more than 25% of your roof is damaged, then the entire roof must be replaced. If it is less than that percent, then the roof needs to be repaired or patched. Secondly, the 25% can be measured by any given section of the roof. If more than 25% of any given section of the roof is damaged, then that section must be replaced not repaired.

Thirdly, if the initial damage doesn’t reach the 25% threshold for replacement, but then after 12 months additional damage is needed which causes the roof damage to go above 25%, the entire roof section must be replaced. To better understand this concept, inquire an insurance lawyer.

Insurance Attorney

Here at Your Insurance Attorney, we are professionals committed to aiding you when it comes to dealing with a roof insurance claim. We will work with you or public adjusters all over the state of Florida, especially in Miami Dade County.

We genuinely care about getting results for you and accomplishing a result that satisfies your needs. Our goal is to help you through great representation from start to finish. Our insurance lawyer office will fight for you. Contact us today!

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