Learn when homeowners insurance covers roof replacement in Florida and how to file a claim with confidence.
Florida homeowners often wonder if their insurance policy will cover the cost of a new roof. The short answer: it depends.
“A strong roof isn’t just built with shingles and nails—it’s built with trust, craftsmanship, and the promise of protection for years to come.”
Harmony Roofing
What Insurance Typically Covers:
- Wind and hail damage
- Storm-related debris impact
- Water damage from sudden roof failure
What Insurance Doesn’t Cover:
- Old age or wear and tear
- Lack of maintenance
- Manufacturer defects (handled by warranty)
Steps to Filing a Claim:
Submit all estimates and reports
Get a professional roof inspection (Harmony Roofing can help!)
Take photos and document the damage
Contact your insurance provider
We work directly with insurance adjusters to make the process smoother.