"It's just wear and tear"
Age doesn't erase storm damage. A 15-year-old roof can still be a covered loss when wind or hail hits it — and the evidence tells the two apart.
Your Florida roof damage insurance claim deserves a fight
Roof claims are the most denied claim type in Florida — blamed on "age," "wear," and everything except the storm that actually did it. Armada's licensed public adjusters document what really happened to your roof and fight for the repair or replacement your policy promises.
01
The #1 denied claim
"Age and wear" — the carrier's favorite excuse
The playbook is predictable. The carrier's inspector spends twenty minutes on your roof, points at a few worn granules, and writes the whole loss off as "age, wear and deterioration" — even when hail or wind clearly did the damage.
Armada's adjusters know the difference between a tired shingle and a storm-damaged one, and more importantly, how to prove it. We build the evidence file that turns "wear and tear" back into what it actually is: a covered loss.
02
Storm evidence
Hail impacts & lifted shingles, documented
Hail bruises shingle mats, cracks tile and dents soft metals. Wind creases shingles, lifts them and breaks their adhesive seal — damage that's nearly invisible from the ground and easy for a carrier to minimize.
We inspect slope by slope: impact marks, creased and lifted shingles, damaged flashing, vents, gutters and the interior water intrusion that follows. Every finding is photographed, measured and tied to the storm — documentation a lowball estimate can't survive. Named storm? See our hurricane damage claim guide.
Carrier pushback
Four things the insurer will say — and why they're wrong
Almost every underpaid roof damage insurance claim in Florida starts with one of these lines. Here's the other side.
"A patch will do"
Spot repairs often can't restore a storm-hit roof. Partial vs. full replacement is decided by the damage, your policy and the building code — not the carrier's budget.
"Mismatched shingles are fine"
Discontinued shingles create real matching disputes. We fight scope decisions that would leave you with a checkerboard roof and a devalued home.
"You waited too long"
Florida law generally allows 1 year from the date of loss to report a claim, and 18 months for supplemental claims. Inside that window, delay is no excuse to deny.
Repair vs. replace
Partial repair or full replacement?
Florida's roofing code changed in 2022 — and carriers are counting on you not knowing how.
For years, Florida's famous "25% rule" meant that if more than 25% of a roof section was damaged, the whole section had to be brought up to current code — which often meant a full replacement. In 2022, Senate Bill 4-D changed the math: roofs built or repaired in compliance with the 2007 Florida Building Code (or a later edition) can now generally be repaired to code in the damaged area only, while older roofs can still trigger full replacement once damage crosses that 25% line.
Translation: whether you're owed a patch or a new roof now turns on your roof's age, its code compliance and how the damage is scoped — exactly the technical fight carriers count on homeowners losing. A roof damage insurance claim in Florida deserves someone reading the code as carefully as the carrier's engineers do. That's our job.
Offered $5,000. Got a new roof.
One Armada client had a leaking roof and a $5,000 offer on the table. We rejected it, invoked the appraisal clause in his policy, and fought the valuation — he ended up with a full roof replacement instead. Already holding a lowball check? Read our denied & underpaid claims guide.
Get a free roof inspection
Our process
How Armada handles your roof & hail claim
No upfront cost — our fee is a state-capped percentage of what we recover. See how public adjuster fees work in Florida.
1
Free Roof Inspection
We inspect every slope and document hail impacts, lifted shingles and hidden water intrusion — at zero cost.
2
Policy & Code Review
We map your coverage, code-upgrade benefits and repair-vs-replace rights before the carrier defines them for you.
3
Claim Build & Negotiation
We file or reopen the claim, present a fully documented estimate and negotiate directly with the insurer.
4
Escalate If Needed
If the carrier won't pay what the roof is worth, we take it further — including through appraisal.
Roof claim FAQ
Roof damage claim questions
No. "Age, wear and deterioration" is the most common reason Florida roof claims get
denied — and it's frequently wrong. Storm damage and normal aging look different up
close, and a proper inspection can separate the two. Armada documents the evidence the
carrier's inspector missed and challenges the decision. One of our clients went from a
$5,000 offer to a full roof replacement through appraisal.
It depends on the extent of the damage, your policy and the building code. Since
Florida's 2022 reforms (Senate Bill 4-D), roofs built or repaired to the 2007 Florida
Building Code or a later edition can generally be repaired to code in the damaged area
only, while older roofs may still require full replacement when more than 25% is
damaged. Matching problems with discontinued shingles can also push a claim toward
replacement. We evaluate all of it before the carrier decides for you.
Under Florida Statute 627.70132, you generally have 1 year from the date of loss to
give your insurer notice of a new or reopened claim, and 18 months for a supplemental
claim. Hail and wind damage isn't always visible from the ground, so get a professional
inspection soon after any major storm — waiting can cost you the claim.
Your inspection and consultation are free, and there are no upfront costs. Florida caps
public adjuster fees by law (Fla. Stat. 626.854) at a percentage of what we recover:
20% for standard claims, and 10% for claims arising from a Governor-declared state of
emergency filed within one year of the declaration. If we don't recover money for you,
you don't pay a fee.
Related claims
Roof damage rarely travels alone
Hurricane & Wind
Named-storm roof damage, soffits, screen enclosures and the water intrusion that follows.
Hurricane claim guideWater Damage
When a compromised roof lets water in — saturated drywall, warped floors and mold risk.
Water damage guideDenied & Underpaid
Already holding a denial letter or a lowball roof check? It's not the final word.
Denied claim helpOne storm. One roof. One fair settlement.
A free roof inspection tells you what your claim is really worth — before the carrier tells you what it isn't.
Serving all of Florida · Hablamos Español