Hurricane Irma Insurance Information

Hurricane Irma Insurance Information

What is an insurance claim?

An insurance claim is a formal request made to your insurance company asking for a payment based on the terms of your insurance policy. The insurance company reviews your claim for validity and then pays out to the insured once approved. Your insurance policy provides coverage and compensation to you for covered losses and/or damages that you sustain.

When to make an insurance claim on your roof?

There are a variety of reasons to file an insurance claim on your roof. Hurricanes, Hailstorms, high winds, and trees falling can all be reasons to file a claim. Shingles and other roofing materials can be blown off and hail marks are known to leave permanent indentations on the roof surface.

When not to make an insurance claim on your roof?

You should not make an insurance claim if your damages cost less than your deductible. In these cases, your insurance company will not pay out. You should not file an insurance claim if you do not have valid roof damage. Always check with your trusted contractor to make sure.

How much is my deductible?

Most insurance policies have a deductible. This is the portion that the insured must pay out of pocket. Most deductibles for an insurance claim is between $500-$2,500. Hurricane deductibles are normally 2% of dwelling A. Deductibles can vary considerably based on your specific policy and premium/All other Perils.

Is a hurricane deductible different?

Some policies have a different deductible in the event of a hurricane. A “Named Storm Deductible” could apply to any storm named by the National Hurricane Center.

Does filing a claim affect my premium?

Most insurance companies will not raise premiums for individuals filing a claim, due to hail or wind.

How long do I have to file a claim?

Most insurance companies will allow you up to twelve months to file a claim on hail and wind damage, however we do not recommend that you wait that long as it is harder to prove and can cause additional damage to your roof and home.

What happens if my claim is denied?

If you have legitimate damage done to your roof, and your roof is denied by the insurance company, you have many options.


1. Ensure contractor is licensed

Check your local Department of Business & Professional Regulation (DBPR) to see if your contractor is currently licensed in your state.

2. Ensure contractor is insured

Any contractor you hire should be insured. Ask to see a current Certificate of Insurance then call the insurance company to verify that the policy is current and the coverage is sufficient for your project.

3. Ensure contractor is bonded

Bonding protects you if the contractor fails to complete a job, doesn’t pay for permits, or fails to meet other financial obligations, such as paying for supplies or subcontractors.

4. Look out for Scammers

Most contractors are honest and hardworking people who take pride in their work and the company that they work for. Unfortunately, like any other profession, there are those who give contractors a bad rep. Always be careful about who you hire and be sure to do your research. Below are sometimes on how to spot a scammer:

Things to verify and look out for:

A. Up-front & cash payments

It is not uncommon for contractors to request some upfront payment before beginning any job, however, it should only be a percentage of the contact amount. All other payments should be done according to the agreed upon payment plan, as milestones of work are reached. If a contractor is asking for a large percentage before the job starts or will only accept cash as payment, this may be a warning sign that the contractor will collect payment and not due the work.

B. License Numbers

All legitimate contractors must have their license number clearly located on all contracts, paperwork and marketing materials.

C. Out of State Tags

Contractors for the most part will have their vehicles registered in the state that their company is in.

D. Logos

Most contractors have a company logo. These logos should be on all paperwork, clothing, trucks, etc.

E. Address

Contractors should have a home office location where their staff work out of. Keep a close eye on businesses that have a P.O Box as their address and mailing location.

F. Permits

No contactor should ask the homeowner to pull the permit.  Contractors should pull their own permits using their valid contractor’s license, and insurance information. They need to be registered with the county in order to do so.

G. “Repair Guy”

People that refer to themselves as “repair guys” are likely to be unlicensed and uninsured. A valid contractor will state their specific area of expertise.

Always ask for a written contract, proper credentials and references. Any legit contractor will not have any problems giving out this information

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