Two options
By Florida law you can request a mediation of a claim dispute at no cost to you.
Most homeowner policies provide for dispute resolution (including Roofs) through the appraisal process.
You retain and pay your appraiser expert insurers retain and pay their expert.
The two experts agree and name an umpire if no agreement.
You pay half of umpire fee insurers pay the other half.
Third option retain a Florida licensed public adjuster to battle insurers on a contingency fee basis.
Fourth option retain a property loss attorney that will take winnable cases at no cost to an insured.
William S. Cook
Public Adjuster
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