What do I do if
Carrier denied cosmetic damage.
Cosmetic damage denial is increasingly common in Florida roofing claims.
Carrier denied cosmetic damage.
Root cause
Why this happens
Cosmetic damage denial is increasingly common in Florida roofing claims.
Know the law
Your rights as a Florida policyholder
When damage affects functionality, weather-tightness, or resale.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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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.
What to do
Solution steps
- 01
Step 1
Functional testing of affected materials
- 02
Step 2
Appraisal impact analysis
- 03
Step 3
Structural integrity evaluation
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Dealing with this exact problem? Free review.
Licensed Florida public adjuster. No fee unless we recover more.
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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Related resources
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See also
Other common problems
Contractor overcharged for repairs.
Another situation Florida policyholders face mid-claim.
Contractor left work unfinished and claimed payment.
Another situation Florida policyholders face mid-claim.
Bicycle collection damaged or stolen.
Another situation Florida policyholders face mid-claim.
Multi-event damage allocation dispute (variant 3).
Another situation Florida policyholders face mid-claim.
Scope document has multiple revisions (variant 4).
Another situation Florida policyholders face mid-claim.
Stacked washer/dryer damaged.
Another situation Florida policyholders face mid-claim.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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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