What do I do if
My carrier denied my roof claim because the roof is too old.
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
My carrier denied my roof claim because the roof is too old.
Root cause
Why this happens
Some Florida policies added roof age restrictions after 2019. If your policy has one, age-based denials may be valid.
Know the law
Your rights as a Florida policyholder
Age-based denial requires specific policy language. Review your declarations page carefully.
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What kind of damage?
Pick the closest match. We will ask for details later.
What to do
Solution steps
- 01
Step 1
Verify declarations page for age restriction language
- 02
Step 2
If no such language, dispute the denial
- 03
Step 3
If language exists, negotiate scope regardless
- 04
Step 4
Consider alternate carriers at next renewal
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Tree removal cost exceeds my sublimit.
Most policies cap tree removal at $500-$2,000. Major tree removal after storms exceeds this easily.
Carrier is demanding proof of ownership for every stolen item.
Proof-of-ownership demands are a delay tactic and scope-reduction technique.
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Misclassification of theft as mystery disappearance invokes exclusions.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Relevant statutes
FS 627.70131
Carrier duties and deadlines.
FS 627.70132
Notice of claim deadlines.
FS 626.854
Public adjuster representation rights.
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See also
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Free claim review
Your policy says more than you think. Find out what you are actually owed.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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