What do I do if
Carrier classified my roof damage as non-covered when it was clearly wind.
Wind vs hail classification affects coverage under some policies.
Carrier classified my roof damage as non-covered when it was clearly wind.
Root cause
Why this happens
Wind vs hail classification affects coverage under some policies.
Know the law
Your rights as a Florida policyholder
Both typically are covered perils. The misclassification is contestable.
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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
Obtain meteorological data for storm
- 02
Step 2
Engage roofing expert for damage-pattern opinion
- 03
Step 3
Submit supplemental with documentation
- 04
Step 4
Escalate if ignored
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Dealing with this exact problem? Free review.
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Similar scenarios
Related problems
Free claim review
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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 626.854 Public Adjusters
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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See also
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Another situation Florida policyholders face mid-claim.
Free claim review
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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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