Who is getting a new roof?

[noslices1]

I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?

[Velvet]

I wasn’t at home when I saw from my doorbell camera a person looking at my roof and ringing the doorbell. They would not have received a welcoming reception, I don’t like people touching my doorbell during Covid. What were they thinking?

I just had my roof evaluated recently for insurance and it’s in great condition. But that didn’t seem to stop them.

[Kahuna32162]

Working on it with Progressive/ ASI.

[Stu from NYC]

My neighborhood in Bonita is about 10 years old and have seen several homes getting new roofs.

Wondering why myself

[n8xwb]

No it's not a scam. Yes your insurance company will inspect for damage before approving the work. A recent building code change requires shingles that have a higher speed rating, so if your roof has damage and you have 3tab shingles the roof cannot be repaired and meet code, hence a complete roof replacement. Your insurance may not cover the difference in price if you don't have the correct coverage. I just had our 13 year old roof replaced. If you want more info, feel free to call me 813seven311doubleoseven.

[EdFNJ]

Some guy came to my house a few days ago told me "it looks like" I needed a new roof and he would work with my insurance company. I told him 80% of our roof is 5 years old (which is true) and the other 20% is 1yr old (which is also true because we had an addition) and he just left without a comment. Said he was from (I think) APEX.

[John41]

Our neighbor had a new roof installed by one of these companies. Insurance inspected her roof and said there was some damage so they paid. I wonder if the damage was really there before it was “inspected”. Just cynical.

[EdFNJ]

There is going to be a lot of insurance rate increases around here certainly for those who have "collected" and "collectively" because of large numbers of claims in the area. The claims may have been technically legit but I'm sure many could have gone without but took advantage of the chance for a new roof.

[iht2209]

The rest of us will be paying for their new roofs. I have already received a letter that stated insurance in the state may be 40% higher because of that. So get ready for a raise similar to our property taxes again next year...

[dp000]

I talked to my insurance rep about this and he stated that it is cheaper to approve a new roof than fight with lawyers like Morgan & Morgan. Insurance companies will recoup losses with premium increases. One of his companies stopped writing policies in The Villages all together. St John’s insurance say it will have large increases in premiums.
So your friends who think they are getting something that is not needed are screwing all of us with higher cost. Thanks

[NY2TV]

My premium went up 25% and I was told the new roofs is a big reason. While it is not a "scam" I think it is a loophole the roofing companies are cashing in on. And I am told they sometimes charge the insurance company more than if the homeowner was paying for it. That bothers me.

[Skunky1]

There most likely was NO damage before the roofing company’s inspection!

[ldovermiller]

Well, once again, it get back to the ORIGINAL roof being of poor quality. We can put this issue at the feet of our beloved
developer. Hear ye, hear ye...all rise.

[Chloe Girl]

I thought that the insurance company sent an adjuster out to verify the claim and then the insurance company tells the customer how much they are willing to pay. If the roofing company agrees to that amount, then a new roof is put on. So the roofing company really has no say so as to how much they can charge.

[mrf6969]

I talked to my insurance rep about this and he stated that it is cheaper to approve a new roof than fight with lawyers like Morgan & Morgan. Insurance companies will recoup losses with premium increases. One of his companies stopped writing policies in The Villages all together. St John’s insurance say it will have large increases in premiums.
So your friends who think they are getting something that is not needed are screwing all of us with higher cost. Thanks
Been paying Homeowners ins premiums here in TV for 15 years to the tune of over $12,000. I got a new roof and I am still not even with the ins company. Getting a new roof is a no brainer.

[michtofla]

I have St Johns insurance and my insurance went down $500 per year after I reported a new roof which they paid for?

[greenflash245]

scam

[dewilson58]

Yes, it's easy to find damage which is covered by insurance.


Yes, sometimes premiums go up after.


Yes, some companies take into account depreciation, some don't.


Yes, some are scams


Yes, there are some warranty issues.


Morgan & Morgan...............Nope. $8,000 roof, less deductible, less their fee of $2,500, less their inspection fee of $500.

[Redwood8300]

If you live in the Pine Hills/Pine Ridge area and have a newer house there could be a problem with a contractor using faulty roofing material. Its a known problem with The Villages warranty department and replacement is covered under warranty. Call them with your lot number and they will tell you if there is a problem.

[EdFNJ]

Been paying Homeowners ins premiums here in TV for 15 years to the tune of over $12,000. I got a new roof and I am still not even with the ins company. Getting a new roof is a no brainer. So what's your point? Are you saying you're "entitled" to get back all your 15 years of premiums ? No wonder rates go up. If you have term life insurance are you supposed to kill yourself (or someone else) before the term is up to cover your premiums?

[jebartle]

IMHO me thinks???? the new roofs are generated by insurance co. renewals because of age of home. Agent contacted us when we did our annual rate check, and were told that our roof needed to be replaced before renewal, when I reminded her that our roof was tile, she corrected her request, hmmmmm!

[Green-Eyed Lady]

I thought that the insurance company sent an adjuster out to verify the claim and then the insurance company tells the customer how much they are willing to pay. If the roofing company agrees to that amount, then a new roof is put on. So the roofing company really has no say so as to how much they can charge.

Our 20+ yr old roof needed to be replaced after sustaining all those years of storm damage, missing shingles, etc. Our insurance inspector agreed. New roof (architectural) is beautiful and guaranteed for 25+ years. No increase in our HO ins policy.

[ellenwelsh]

I got a new roof and am glad I did. The insurance increase will be less than I would have paid for it. Actually, I had leaks in my roof during big rainstorms and paid myself for the repairs twice and for replacing the floors in my guest room and hallway twice.

[taruffi57]

Well, once again, it get back to the ORIGINAL roof being of poor quality. We can put this issue at the feet of our beloved
developer. Hear ye, hear ye...all rise.
WRONG: Virtually all shingles on Villages are either Owens-Corning or Certainteed. There are NO "low quality" shingles, In fact, all 3-tabs are warranteed 25 yrs. and all architecturals , 30 yrs. If never heavily damaged by weather, they will last ....... (drum roll),....... circa 25 and 30 years. So, virtually no Villages roofs are yet to the point of NEEDING to be replaced. I get several calls per wk. from homeowners saying some door-to-door roofer told them they had "54" damaged shingles or such. I go there and there is zero damage. My qualifications: I've been on over 10,000 roofs in 40+ yrs. in Florida, worked on crews + thousands of leak repairs, plus owned my own State Certified (licensed) roofing company with 20 to 75 employees for 24 yrs. - WHICH installed over 5,000 roofs. Many roofing companies from other areas have discovered the goldmine that is The Villages. If you must repair or replace your roof, use a local company.

[BeauJangles]

I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?
Yes.

[Denise Walker]

A woman came by to tell me we needed a new roof. We had just closed on our home, had the inspection done, AND had a roofer come out and inspect. She was with APEX. Thanks, but no thanks. (check with the BBB)

[BeauJangles]

There is going to be a lot of insurance rate increases around here certainly for those who have "collected" and "collectively" because of large numbers of claims in the area. The claims may have been technically legit but I'm sure many could have gone without but took advantage of the chance for a new roof.
Right

[Denny9]

This question about "free roofs" has been on this site for months. Bottom line. My roof was original, 19 years old. Insurance, less my deductible, paid for a new roof. (I had previously paid myself for some minor damage due to Hurricane Irma.) I then had it inspected, paid $100, for wind mitigation. My insurance company REDUCED my bill by over $400. I did nothing immoral, illegal, or unethical. Now what happens in the future might be different but I am very satisfied that I have a superior roof to what I had upon purchasing my home at an honest cost to me. It is not working a scam. You purchase insurance hoping that you won't need to use it but this was totally unexpected. Most of the people objecting to this process seem to fall into two categories. One where their insurance company refused to pay for whatever reason and another who had their roof replaced at their own cost within the last few years and thus weren't eligible for a replacement.

[Astron]

I have seen a huge number of new roofs getting done in one day in my Village. Setting aside the long term impact on our insurance rates, I am curious how they can get the building department permit inspections done so quickly. I have yet to even see a building permit posted on any of the roofing projects. Doesn’t Sumter County require permits for a reroof project? Their website (Re-Roof / Roof-Over | Sumter County, FL - Official Website (https://sumtercountyfl.gov/122/Re-Roof-Roof-Over)) seems to require a permit and inspection is usually required for a permit.

[Skip]

About a year ago I found two shingles on my lawn. I went up on the garage section and found where they came from. With roofing nails and roofing cement I did the best I could to put the shingles back. No water damage inside the garage. While up there I found that my weight on that section actually made the other shingles slip away. So I did the best I could to repair it. I inspected the rest of the roof. The ridge vents were not in good shape. House is 21 years old.

This year I noticed new roofs going on in the neighborhood. I asked a neighbor on another street who they had replace his roof. His house is one year younger than mine. He gave me the contractor's name in Orlando, Restor-Surance Services. Next day a polite estimator arrived and inspected the roof. I just wanted the patch job I did, re-done professionally. He marked the affected areas in chalk. Came down and told me I needed a whole new roof. "More than 3 slopes are damaged and my homeowner's WILL PAY for the new roof." He did not want to give me a dollar estimate. Odd! Just said I should call, make a claim, when the adjuster gives me an appointment, he would come at the same time and be MY REPRESENTATIVE. He would convince the insurance company to pay for a whole new roof and Restor-Surance would agree to the insurance company's estimate whatever it was. (They all use the same software and material/labor costs.) He wanted me to sign a two page contract. I told him I don't sign legal contracts unless my lawyer explains them to me.

Short version: My insurance adjuster came ALONE (my decision) looked at the markings and agreed that I am entitled to a new roof less my deductible. DO NOT SAY THAT THE DAMAGE OCCURRED IN JULY-NOVEMBER TIME FRAME. Hurricane damaged roof are subject to a higher deductible. I told him I found the shingles on my lawn in MAY. He wrote a report with a price, wrote a check for the start of the work and said I can choose any roofing contractor I wanted. Balance is paid after a housing inspector inspects the work. If during the process they find underlying damage, (rotted plywood sheeting etc.), the amount will be adjusted.

I called two local roofers. McHale's came in UNDER the insurance company's estimate by almost $1,000. That estimate HAS TO be sent to the insurance company and the insurance would adjust the payment to agree with McHale's. (I did not try to play the game of fraudulent figures - you charge me one figure and we charge the insurance company a higher figure to cover my deductible. THAT'S FRAUD. ) All reputable roofers won't do that either. They can lose their license if caught.

I picked the same quality architectural shingle as original in a different color. Light colors are better for heat transfer and longevity. They don't curl as much. The job was done the next week in one day. I was satisfied and my insurance was satisfied. One bad plywood sheet had to be added to the bill. My out of pocket expense was my deductible, $1,000.
The only problem I had was that McHale did not sweep the lawn for roofing nails. I found at least 7 on my property, 2 were in my driveway. None caused damage. There are probably some still in my gutters right now.

If you have your roof replaced, insist they do a magnetic sweep of your property and even come back after the first rain to check the gutters. They also had to clean a spot of black cement that was noticeable on one shingle. They did that willingly and apologized.

The Restor-Surance contract stated that If I DO NOT HIRE THEM to do the work, I still had to pay them 20% of the value of the job (remember no figure was quoted) as a fee for inspecting the roof, doing paperwork, etc. Glad I never signed with them and that rep was upset that I did not sign the contract or have him come out when the adjuster arrived.

Use locals like McHale and Batterbee. Ask your neighbors how they liked their contractor. Get 3 FREE estimates in writing (no contract with bad clauses), not so much for the price but for what (and when) they do. Some will include new drip edges, some won't. The price is irrelevant unless much higher than the insurance company's estimate. A standard Florida contract IS REQUIRED to be signed before work states. It's standard procedure. I added a WORK COMPLETED BY: DATE and they had not problem with that.

If your home has enough shingle damage, you will not be able to sell it to the next owner if they get the home inspected. You will end up replacing the roof before it transfers. That could take a while.

Hope this helps, Skip...

[banjobob]

Some roofing companies are offering a free inspection based on the last higher wind occurrences , they will file your claim to insurance and wait and see if damage they claim is approved. I f your claim is honored pay your deductible and get a new roof. Down side is we went that route only to find out we had only 21 damaged shingles plus many other creased ,they estimated 700.00 and change to repair per their inspector which is also a “forensic engineer” and would not release his findings to us. With a higher than that deductible no roof although the roofers noted a least 26% damage . So sue the insurance company and hope the settle , or just hire a good fair priced roofer which we have done , got our ARC approval good to go. 2 br CV 6600.

[charlieo1126@gmail.com]

How does everyone know your neighbors didn’t need a new roof , we’re you up there inspecting ,did the adjuster come and tell you they didn’t need a new roof but we paid anyway. My agent told me companies are leaving , I heard our rates will go up 25% oh no I heard40%., I was told it was a scam . I suspect some people are just upset that there not getting one . I’m not one of those getting a new roof but I’m glad for those who are getting a new roof because there old roof had damages

[rmd2]

I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?

Yes and it's costing us big time. If you notice, your homeowners insurance has skyrocketed because of this.

[dplars]

Just replaced our 15 year old roof, Insurance denied claim, cost us just under 10K, Designer shingles, etc. APC did a good job. Check your insurance to see if they will cover a 15year old roof.

[bgamble3]

I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?
Yes it is a scam. It will drive up all of our home insurance rates next year!

[La lamy]

About a year ago I found two shingles on my lawn. I went up on the garage section and found where they came from. With roofing nails and roofing cement I did the best I could to put the shingles back. No water damage inside the garage. While up there I found that my weight on that section actually made the other shingles slip away. So I did the best I could to repair it. I inspected the rest of the roof. The ridge vents were not in good shape. House is 21 years old.

This year I noticed new roofs going on in the neighborhood. I asked a neighbor on another street who they had replace his roof. His house is one year younger than mine. He gave me the contractor's name in Orlando, Restor-Surance Services. Next day a polite estimator arrived and inspected the roof. I just wanted the patch job I did, re-done professionally. He marked the affected areas in chalk. Came down and told me I needed a whole new roof. "More than 3 slopes are damaged and my homeowner's WILL PAY for the new roof." He did not want to give me a dollar estimate. Odd! Just said I should call, make a claim, when the adjuster gives me an appointment, he would come at the same time and be MY REPRESENTATIVE. He would convince the insurance company to pay for a whole new roof and Restor-Surance would agree to the insurance company's estimate whatever it was. (They all use the same software and material/labor costs.) He wanted me to sign a two page contract. I told him I don't sign legal contracts unless my lawyer explains them to me.

Short version: My insurance adjuster came ALONE (my decision) looked at the markings and agreed that I am entitled to a new roof less my deductible. DO NOT SAY THAT THE DAMAGE OCCURRED IN JULY-NOVEMBER TIME FRAME. Hurricane damaged roof are subject to a higher deductible. I told him I found the shingles on my lawn in MAY. He wrote a report with a price, wrote a check for the start of the work and said I can choose any roofing contractor I wanted. Balance is paid after a housing inspector inspects the work. If during the process they find underlying damage, (rotted plywood sheeting etc.), the amount will be adjusted.

I called two local roofers. McHale's came in UNDER the insurance company's estimate by almost $1,000. That estimate HAS TO be sent to the insurance company and the insurance would adjust the payment to agree with McHale's. (I did not try to play the game of fraudulent figures - you charge me one figure and we charge the insurance company a higher figure to cover my deductible. THAT'S FRAUD. ) All reputable roofers won't do that either. They can lose their license if caught.

I picked the same quality architectural shingle as original in a different color. Light colors are better for heat transfer and longevity. They don't curl as much. The job was done the next week in one day. I was satisfied and my insurance was satisfied. One bad plywood sheet had to be added to the bill. My out of pocket expense was my deductible, $1,000.
The only problem I had was that McHale did not sweep the lawn for roofing nails. I found at least 7 on my property, 2 were in my driveway. None caused damage. There are probably some still in my gutters right now.

If you have your roof replaced, insist they do a magnetic sweep of your property and even come back after the first rain to check the gutters. They also had to clean a spot of black cement that was noticeable on one shingle. They did that willingly and apologized.

The Restor-Surance contract stated that If I DO NOT HIRE THEM to do the work, I still had to pay them 20% of the value of the job (remember no figure was quoted) as a fee for inspecting the roof, doing paperwork, etc. Glad I never signed with them and that rep was upset that I did not sign the contract or have him come out when the adjuster arrived.

Use locals like McHale and Batterbee. Ask your neighbors how they liked their contractor. Get 3 FREE estimates in writing (no contract with bad clauses), not so much for the price but for what (and when) they do. Some will include new drip edges, some won't. The price is irrelevant unless much higher than the insurance company's estimate. A standard Florida contract IS REQUIRED to be signed before work states. It's standard procedure. I added a WORK COMPLETED BY: DATE and they had not problem with that.

If your home has enough shingle damage, you will not be able to sell it to the next owner if they get the home inspected. You will end up replacing the roof before it transfers. That could take a while.

Hope this helps, Skip...
Thanks for taking the time to explain your situation to us. Very helpful.

[Rosebud1949]

Get your own independent survey done then check with Insurance Co.

[Velvet]

Get your own independent survey done then check with Insurance Co.

So right. No conflict of interest.

[DeafDeaf]

Earlier this year I switched to the different insurance provider because of the premium increase. Last March the new one did come and took photos of all my roof in order for my new policy to be effective. Hmmm???

[Skip]

I have seen a huge number of new roofs getting done in one day in my Village. Setting aside the long term impact on our insurance rates, I am curious how they can get the building department permit inspections done so quickly. I have yet to even see a building permit posted on any of the roofing projects. Doesn’t Sumter County require permits for a reroof project? Their website (Re-Roof / Roof-Over | Sumter County, FL - Official Website (https://sumtercountyfl.gov/122/Re-Roof-Roof-Over)) seems to require a permit and inspection is usually required for a permit.

Yes the roofer will get the permit just before they start the job and tape it to one of the windows facing the street. After the job is done, takes 3 days or so, and the county inspector will verify the new roof meets the new Florida code (nails per sq. ft., etc). I chatted with the inspector and was surprised when he actually said my roofer "always does a good job". That made me feel good.

Skip

[spofford]

Have a 15 year old house, and shingles had fallen off in addition to roof granulars in gutters. Small damage to ceilings in garage and bedroom. i called several contractors all agreed new roof needed. Insurance came out, and. agreed. I had visible signs of poor roof health. Eustis Roofing did my roof and did not speak with insurance company. I was middle man. I sent paperwork to insurance company and they paid. Hope to wait another 15 years..

[am.zinger@aol.com]

This is true! Coming from a recent 'new roof' person.

[Tom W]

My home that I just bought, had a new roof done in 2014 after 12 years doe to faulty shingles installed when the home was built. The whole neighborhood got evaluated.

[bilcon]

So much for no soliciting in TV. He came to my house and I told him to get lost and I took his picture while he was smoking at my front door. APEX

[caljeff]

There are many reasons for a complete roof replacement (wind damage, age, improper/defective raw materials, code violations, etc). I have been living in Pine Ridge since '17. My home was built in 2016. My roof was replaced in January this year due to defective underlayment. It was not a home insurance transaction, but was between me and the underlayment manufacturer. No one came to my door offering to inspect roof.

[Out&Proud]

I have flown over my roof inch by inch with my drone and see no damage. I'm waiting for Apex to show up so I can show the footage to them.

[BostonRich]

I have flown over my roof inch by inch with my drone and see no damage. I'm waiting for Apex to show up so I can show the footage to them.

I really think you need someone to walk the roof and check out things that a drone can't detect like loose shingles. The insurance company has to agree that there is damage before anything can proceed. You really have nothing to loose to have them check it.

[Curtisbwp]

No, this is NOT a scam. Like you i saw signs and roofs being replaced. I approached the roofer and he inspected my roof. He did say it was damaged. I DID NOT take his word, afterall he is trying to earn money. I called me insurance company and they sent out their roof expert. He also said i needed a new roof. It is not a scam.


I have noticed, in my neighborhood alone, at least 10 signs in yards talking about Storm Damage to roofs and I assumed these people were all getting new roofs. Today, riding down my street, I saw ONE sign, with a small addition to the top that said “Approved”.

Is there a company going door to door, promising to get insurance companies to pay for new roofs? I checked out several of the roofs in question, but could see no “Visible” damage. I believe the insurance companies will send a representative out to double check these roofs to make sure they are not being scammed by the roofing company. My roof is 15 years old and I inspected it pretty good and it looks like it is holding up very well after the storms we’ve had in the last ten years. Is this an insurance scam?

[vettman01]

I had Apex ring my doorbell, he said he wanted to inspect my roof for damage. I asked him if he had looked at my roof & he said no. I told the next time to look 1st because I have a 50 year metal roof. I told him to shove his scam where the sun doesn't shine
and to get off of my property.

[Velvet]

Yes, I’m still smarting about them volunteering someone to come to my door.

[Karengrimm10]

I think that the people getting the new roofs paid for by insurance should receive the insurance increases, not those who have not had the insurance pay for a new roof.

[TonysMom]

Yes they are charging more and what I hear is they are doing shoddy work and the roof is going to need to be replaced again. It is so unfair that this is happening. Homeowners with wear and tear are getting someone to say it is a covered peril and they get a $15,000 roof for 500 dollar deductible. What can we do?

[TonysMom]

Been paying Homeowners ins premiums here in TV for 15 years to the tune of over $12,000. I got a new roof and I am still not even with the ins company. Getting a new roof is a no brainer.

Just curious: Was your roof damaged by a covered peril or simply wear and tear?

[TonysMom]

Would you mind expanding on what you shared? Did you get a 8000 roof less those deductibles? Did you have a covered peril or wear and tear?

[TonysMom]

Could you share more about your experience? A lot of people in my n eighborhood are getting roofs for the cost of the deductible and they were told there was "lifting." To me that is not a covered peril so why are all the ins companies saying yes?

[TonysMom]

I am afraid that might not be the case. My neighbors on two sides are getting new (almost free) roofs but I had a roofer come and say it was good for five years. He thought the neighbors' roofs looked good as well and one neighbor told me they told her she had lifting but that doesn't seem like a covered peril to m e. Why would the insurance company come to be sure? Somebody has to pay for all these new roofs. The roofers are charging much more than they are worth is what I have been gold. Truth???

[TonysMom]

That is a good question. I would love to see an answer. My neighbors are getting them done in one day and I don't see a county inspector on the scene at all.

[mydavid]

I've paid some form of home insurance since the 60s and have never made a claim, but still every time some part of the country has a catastrophic event the rates go up for everyone.

[William S. Cook]

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