Most roof claim denials come down to one of five things: age-related wear and tear, a policy exclusion, missing documentation, a missed filing deadline, or damage the adjuster decided was cosmetic. The moment you get that letter, read it for the exact policy clause...
Spray foam applied directly to the underside of the roof sheathing typically eliminates the need for ridge and soffit vents, but only when the installation meets IRC unvented attic rules. The code allows this trade because the foam itself becomes the air barrier and,...
Recoverable depreciation on a roof claim is money you’re owed, not money you’re begging for. If your policy pays replacement cost value, that withheld amount gets released once you finish the approved repairs and turn in a paid invoice before your deadline. Start...
Walking on a tile roof breaks tiles more often than most homeowners realize, because a footstep concentrates far more force into one small spot than the roof was engineered to handle. If you have no choice but to get up there, step only on the bottom portion of each...
Don’t sign anything with a roofer who knocks on your door after a storm. Your first move is a phone call to your insurer and, if the roof is actively leaking, a temporary tarp from a local contractor you can verify. Watch for two specific traps: any contractor who...
Yes, and for most Florida homeowners the math is simple: a wind mitigation inspection documents the features that already protect your roof, and insurers reward that proof with lower premiums. The report you’ll need is the Uniform Mitigation Verification Inspection...
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