Roof Insurance Claim Help in Lakeland, FL
Storm damage inspections, photo documentation and repair estimates your insurance adjuster can work from, from a licensed Florida roofing contractor.
How Does a Roof Insurance Claim Work in Florida?
After a hurricane, tropical storm or hailstorm, the hardest part of a roof claim is often showing what actually happened. Your insurance company sends an adjuster to decide what the storm damaged and what it will pay for, and the more clearly that damage is documented, the smoother the process tends to go.
That is where we come in. We inspect your roof from the shingles down to the decking and the attic, photograph every sign of wind, hail and water damage and put together a detailed, line-item estimate for the repair or replacement. When your adjuster schedules the inspection, we can be there to walk the roof with them and show them what we found.
Timing matters. Under current Florida law, a new property insurance claim generally has to be reported within one year of the date of loss, so have your roof checked soon after a storm. If water is already getting in, our crews provide 24/7 emergency tarping and leak repairs to stop further damage while the claim moves forward.
One thing we do not do is act as your public adjuster. Florida law does not allow roofing contractors to interpret your policy or negotiate your claim, and we follow it. What we give you is honest, expert documentation and a fair price to fix the roof right. DBR Construction is a Lakeland-based Florida Certified Roofing Contractor (CCC #1333156) and Certified General Contractor (CGC #1531838), rated 4.9 stars from 100+ reviews. Call 1 (863) 602-4200 to schedule a storm damage inspection.
How We Help With Your Claim
Clear documentation from licensed roofers.
Storm Damage Inspection
A full inspection of shingles, flashing, decking and attic for wind, hail and water damage.
Photo Documentation
Dated photos of every damaged area, organized into a report you can share with your insurance company.
Detailed Repair Estimates
Line-item estimates for repair or replacement, priced to meet current Florida Building Code.
Adjuster Meetings
We meet your adjuster on the roof and point out the damage we documented.
Emergency Tarping
24/7 emergency tarping and leak repairs to stop further damage after a storm.
Repair or Replacement
Once your claim is settled, our crews complete the repair or new roof, with a 25-year workmanship warranty on replacements.
Roof Insurance Claim Questions
Under current Florida law, a new property insurance claim generally must be reported to your insurer within one year of the date of loss, and a supplemental claim within 18 months. Your insurance agent can confirm the deadlines that apply to your policy. Either way, have your roof inspected as soon as you can after a storm.
Yes, within what Florida law allows. We inspect and document the damage, prepare a detailed estimate and meet your adjuster on site. We do not interpret your policy or negotiate your claim. For those questions, talk with your insurance agent, a licensed public adjuster or an attorney.
No. Florida law prohibits contractors from offering to pay, waive or rebate a homeowner's insurance deductible. If a contractor offers to, treat it as a red flag.
From the ground, look for missing, lifted or creased shingles, granules collecting in gutters, dented vents or flashing and debris on the roof. Inside, look for water stains on ceilings or in the attic. A lot of storm damage cannot be seen from the ground, which is why a hands-on inspection matters.
It depends on how much of the roof is damaged, the age and type of roof and current Florida Building Code requirements. We document what we find and give you an honest recommendation, whether that turns out to be a repair or a full replacement.
We are based in Lakeland and inspect roofs across Polk County, including Winter Haven, Auburndale and Bartow, as well as Plant City, Brandon, Tampa and the rest of Hillsborough County.
After a big storm, door-knockers and out-of-town crews show up all over Polk County, and many are gone by the time a warranty issue comes up. We are a local, licensed roofing contractor based in Lakeland. We tell you what we actually find on your roof, whether or not it adds up to a claim, and we never offer to cover your deductible, which is illegal in Florida.
Schedule a storm damage inspection with a local crew.
Request An Estimate
Scheduling your estimate is easy. Call us below or fill out this form and we will be in right away.
Locations we proudly Serve
DBR Construction proudly serves homeowners and businesses across Polk County and surrounding areas.
