Roof Damage Claims

In Florida and Texas, roof damage is one of the most common insurance claims filed each year. But it’s also one of the most aggressively disputed. Insurance companies routinely deny, delay, or underpay roof claims, often using excuses that have nothing to do with the real cause of the damage.

At Finman Law Group, we fight back. Whether your roof was damaged by wind, hail, hurricane-force gusts, lightning, falling debris, or water intrusion, we make sure your insurance company pays what your policy promises.

Understanding Roof Damage Claims

Roof damage can be obvious — like missing shingles or a hole in the roof — or completely hidden, only showing up as leaks weeks or months later. Insurance companies often try to minimize or ignore roof damage because roof replacements are expensive.

Common Types of Roof Damage

• Missing or lifted shingles
• Cracked or bruised shingles
• Damaged underlayment
• Broken tiles
• Roof leaks
• Structural damage
• Damaged flashing
• Hail impact marks
• Windcreated openings
• Lightningrelated roof damage
• Water intrusion and mold growth

Even minor roof damage can lead to major interior damage if not repaired quickly.

Why Roof Claims Are Often Denied or Underpaid

Roof claims are among the most disputed claims in Florida and Texas. Insurance companies use predictable tactics to avoid paying for full roof replacement.

Common Insurance Company Excuses

• “Wear and tear”
• “Old roof”
• “Improper installation”
• “No storm-created opening”
• “Damage is cosmetic only”
• “Pre-existing damage”
• “Insufficient evidence of wind or hail”
• “Damage not caused by a covered peril”

These excuses are designed to save the insurer money — not to protect you.

Finman Law Group knows how to challenge every one of these tactics.

Florida & Texas Roof Claim Laws Protect You

Both states require insurance companies to:

• Conduct a fair and prompt investigation
• Pay undisputed amounts quickly
• Evaluate all storm-related damage
• Follow building code requirements
• Provide written explanations for any denial or reduction

If the insurer fails to meet these obligations, they may be acting in bad faith.

Wind & Hurricane Roof Damage

Florida and Texas experience some of the strongest windstorms in the country. Wind can:

• Lift shingles
• Break tiles
• Tear off roof sections
• Damage underlayment
• Create openings that allow water intrusion

Insurance companies often deny these claims by arguing there was “no storm-created opening.” We know how to prove otherwise.

Visit our Hurricane Damage and Windstorm Damage pages for more details.

Hail Roof Damage

Hail can cause:

• Bruised shingles
• Cracked tiles
• Granule loss
• Soft spots
• Hidden structural damage

Insurers often claim hail damage is “cosmetic,” even when it compromises the roof’s integrity.

Lightning & Fire Roof Damage

Lightning can:

• Crack shingles
• Damage roof decking
• Ignite attic fires
• Blow apart structural components

See our Lightning Damage and Fire & Smoke Damage pages for more information.

Water Damage & Mold After Roof Damage

A damaged roof often leads to:

• Water intrusion
• Ceiling stains
• Wall damage
• Electrical hazards
• Mold growth

Insurance companies frequently try to separate roof damage from water damage to reduce payouts.

Visit our Water Damage Claims and Mold Damage Claims pages for more details.

How Finman Law Group Fights Roof Damage Disputes

When you hire us, we take over the entire process and build a strong case for full compensation.

1. We Conduct a Full Roof Inspection

We work with:

• Roofing experts
• Engineers
• Contractors
• Moisture detection specialists
• Drone inspectors

We document every area of damage the insurer ignored.

2. We Challenge Lowball Estimates

Insurers often use outdated pricing or incomplete scopes of work.

3. We Demand Full Replacement When Required

If the roof is damaged beyond repair, we fight for full replacement — not patchwork.

4. We Enforce Building Code Requirements

Florida and Texas require roofs to meet strict building codes. Insurers must pay for code upgrades.

5. We File Supplemental Claims

If the insurer missed or undervalued damage, we reopen the claim.

6. We Pursue Bad Faith Damages

If the insurer acted unfairly, they may owe additional compensation.

7. We Litigate When Necessary

If the insurer refuses to pay, we take them to court.

Our mission is simple: make the insurance company pay what they owe — nothing less.

Signs Your Roof Claim Was Mishandled

Underpayment

The insurer only paid for minor repairs instead of full replacement.

Delayed Investigation

The insurer keeps rescheduling inspections or ignoring your calls.

Denial Without Evidence

The insurer claims the damage is “wear and tear” without proper inspection.

Partial Coverage

The insurer pays for interior damage but denies the roof damage that caused it.

Biased Engineering Reports

Insurers often hire engineers who minimize storm damage.

If any of this sounds familiar, your claim may have been mishandled.

What To Do If Your Roof Was Damaged

1. Document everything

Take photos and videos of the roof and interior damage.

2. Don’t repair the roof yet

Temporary tarping is fine — full repairs should wait until the claim is resolved.

3. Request a full copy of your policy

We review it for coverage you may not know you have.

4. Don’t accept the first offer

It’s almost always too low.

5. Call Finman Law Group at 786-786-9633

We take over communication with the insurer immediately.

Frequently Asked Questions

Does insurance cover roof replacement?

Yes — if the damage was caused by a covered peril such as wind, hail, lightning, or fire.

Can I reopen a roof claim?

Yes. You can file a supplemental claim if the insurer underpaid or missed damage.

Do I pay anything upfront?

No. You pay nothing unless we win.

How long does a roof claim take?

It depends on the insurer — but hiring a lawyer speeds up the process.

Why Choose Finman Law Group

• Aggressive representation
• Deep experience with roof, wind, hail, and hurricane claims
• Florida + Texas insurance law expertise
• No upfront fees
• Full support from intake to litigation
• Communityfocused, clientfirst approach

We fight for homeowners and businesses when they need it most.

Protect Your Home. Protect Your Rights.
Call Finman Law Group at 786-786-9633
Your roof claim deserves full compensation — and we’ll fight to get it.