You don’t need 100 pages—just the right pages. Clear photos, scoped estimate, and targeted policy cites answer most carrier objections.
Why Hurricane Claims Get Denied
- Roof matching/repair vs. replace disputes under policy language.
- Late notice — carrier claims delay prejudiced inspection/mitigation.
- “Pre-existing” arguments tied to prior patching or granule loss.
- Wear, tear, or maintenance — damage attributed to age, not a covered peril.
- Policy limitations — hurricane/wind deductible, cosmetic damage, matching rules.
How to Strengthen Your File
- Mitigation receipts + simple claim diary timeline.
- Independent estimate + scope with labeled photos and code cites.
- Line-item estimate aligned to policy terms (deductible/limits).
- Meteorology support for storm date/time at your address.
- Policy cites matched to facts (coverage/endorsements/loss payment).
Free Claim Review
Triage your file and next steps.
Call (813) 693-1375✅ What To Do Right Now
- Review your denial letter and insurer's explanation
- Compare it to the terms of your policy, especially exclusions
- Save all inspection reports, adjuster summaries, and photos
- Collect itemized repair estimates and invoices
- Document all communications with your insurer
- Speak with a Florida attorney to understand your rights and legal options
⏱️ Claim Timelines in Florida
- Your insurer must respond to your initial claim within **7 days**
- They must decide on coverage within **30 days** of Proof of Loss
- A final denial or payment must be issued within **60 days** — unless factors beyond their control delay the process
- You may have the right to dispute or supplement a claim — but don’t delay
🚩 Claim Red Flags
- Denial refers to “wear and tear” but storm damage was documented
- No clear explanation of how the decision was reached
- Policy exclusions cited without page or section references
- You weren’t given a chance to submit documentation or estimates
If any apply: call now — (813) 693-1375.
📋 Smart Next Steps
- Request a written explanation of the denial citing specific policy terms
- Compare it with your contractor’s or inspector’s findings
- Submit documentation, estimates, and photos as part of a formal dispute
- Ask for a reinspection or second adjuster if needed
- Get legal help to protect your rights and challenge improper claim handling
🚨 Claim Pitfalls
- Believing the denial is final when appeals are allowed
- Not asking for clarification on policy references
- Letting documentation go unorganized or incomplete
- Signing off on repair work that affects your ability to dispute
- Assuming legal help is out of reach financially
🏠 A Closer Look at Melbourne
From architecture to local terrain, every Florida city tells a different story. Here are a few things that stand out in Melbourne.
Housing
Space Coast housing mix with beach proximity
Geography
Atlantic coastal city with high wind exposure
Infrastructure
Roofing styles vary by age; tile and shingles both present
Frequently Asked Questions
What legal rights do I have after a roof claim denial in Florida?
Florida law gives you the right to challenge denials, request inspections, access mediation, and pursue legal action if your insurer mishandled your claim or denied it unfairly.
Can I be penalized for disputing my claim?
No. You’re allowed to appeal, supplement, or dispute a claim if you believe the outcome was wrong — and many homeowners do.
Do I need to file a lawsuit to protect my rights?
Not necessarily. Many disputes are resolved through negotiation or mediation. But if needed, a lawsuit can enforce your rights and may lead to a fairer outcome.
Can I afford a lawyer to help with my denied claim?
In many cases, yes. Florida attorneys — including myself — often work on contingency, meaning you only pay if there’s a recovery.
Additional Insights
How do you challenge a low insurance payout? Start by gathering your own contractor estimates, reviewing the insurer’s breakdown, and submitting a formal request for reevaluation.
Call a Hurricane Lawyer
Short, practical guidance. No pressure.
Call (813) 693-1375