The storm is over, there’s damage on the roof, and now you’re looking at a roof insurance claim in Orlando with a lot of unknowns. How do you prove what the storm did? What does the adjuster need to see? And who can you trust when the doorknockers start showing up the next morning with big promises?
It’s a stressful place to be, and the process isn’t built to be easy to follow. You deserve a clear explanation of how it works and a roofer who’s upfront about their part in it.
APC Roofing is GAF Certified, licensed in Florida (CCC1337030) and insured, and we’ve worked on Central Florida roofs since 2017. Your inspection is free. Call 407-270-1129 to have a roofer come out and document the damage.
Who does what in a roof insurance claim in Orlando
Clear roles are what keep a claim clean, so here’s how they break down.
You own the policy. You file the claim with your insurance company, and you pay your deductible. Your agent or insurer is the one who can tell you what your policy covers.
Your insurance company sends an adjuster to inspect the damage and decides what the claim pays.
APC Roofing inspects the roof, documents the damage with photos and measurements, writes up a detailed estimate for the repair or replacement and works with your adjuster so the damage on your roof is clearly accounted for.
A roofer isn’t your public adjuster and shouldn’t act like one. If a contractor offers to take over your whole claim, tells you what your policy will pay or suggests you won’t have to pay your deductible, that’s your cue to walk away. Trust matters, and it starts with knowing who’s responsible for what.
Step by step after storm damage
Stay safe and look from the ground
Don’t climb onto a wet or damaged roof. Walk around the house and look for missing shingles, cracked or slipped tiles, bent metal, fallen limbs and debris. Check ceilings and the tops of walls inside for new stains.
Take your own photos
Photograph anything you can see from the ground and any water damage inside, with the date. Keep receipts for anything you spend to stop more water getting in, like a tarp.
Read your policy and report the damage
Florida policies have deadlines for reporting a claim, so look at yours or ask your agent soon after the storm. Your insurer will explain its process and schedule the adjuster.
Get a roofer’s inspection
A roofing inspection finds what can’t be seen from the yard: creased shingles, lifted flashing, damaged pipe boots and soft spots in the deck. We’ll give you photos and a written estimate you can share with your insurer.
Meet with the adjuster
The adjuster inspects the roof and decides what the claim covers. We work with the adjuster so the damage we documented is accounted for.
Insurance roof replacement in Orlando: repair or replace?
Not every claim ends in a new roof, and nobody should promise you one before the inspection. Some storms take a handful of shingles off a roof that’s otherwise sound, and a repair is the right fix. Other roofs have widespread wind damage, or the damage is spread across a roof that’s too brittle to repair without breaking more of it.
Florida’s building code also has rules about how much of a damaged roof can be repaired before more of it has to be brought up to current code. That can affect the scope of work, and your estimate will explain it in plain terms.
Commercial roof insurance claims
The same roles apply to a business. The owner files the claim and pays the deductible, and we document the damage on the flat or low-slope roof, write the estimate and work with the adjuster. Flat roofs can hide storm damage, like punctures or loosened seams, that only shows up on a close look.
How it works with APC Roofing
- Book your free inspection. Call 407-270-1129 or request a free online estimate.
- Get a clear, honest assessment and estimate. You’ll get photos and a written estimate, and we’ll work with your adjuster.
- Your roof gets done and the site gets cleaned up. Many residential replacements take a single day.
Waiting can cost more than it seems. A storm opening you can’t see can leak into the insulation and ceiling for weeks, and damage that spreads after a storm can be harder to document.
To learn more about storm work, see our storm damage roofing in Orlando page, our hurricane damage roof repair page and our free roof inspection in Orlando.
Roof insurance claim questions from Orlando homeowners
Do I call my insurance company or a roofer first?
Either order can work. Many homeowners get a roofer’s inspection first so they know whether there’s real damage before they report it. Just don’t miss your policy’s reporting deadline.
Will my insurance pay for a new roof?
That depends on your policy and what the adjuster finds. Your insurer decides. We can show you the damage and give you an honest estimate of what the roof needs.
Do I have to pay my deductible?
Yes. The deductible is your responsibility on any claim. Be wary of anyone who says otherwise.
Can you be there when the adjuster inspects my roof?
Ask us when you book. Working with your adjuster is part of how we handle storm jobs, so the documented damage is accounted for.
A claim you understand, and a roof you trust
The goal is a sound, dry roof, a claim process you understood every step of and no surprises at the end. Call APC Roofing at 407-270-1129 to book your free inspection.
