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Insurance Claims and Roof Repair

Insurance Claims and Roof Repair: What You Need to Know

At Classic Roofing & Construction, a leader in the Florida roofing industry, we recognize the challenges homeowners face with insurance claims related to roofing. The Florida roofing scene is ever-changing, particularly in terms of insurance processes for residential and commercial roofing repairs. This comprehensive guide aims to provide homeowners with an in-depth understanding of insurance claims and roofing repairs in the context of Florida’s unique legislative environment.

Understanding Insurance Claims and Roof Repairs: A Shift in Process

Gone are the days when roof repairs were straightforward transactions between homeowners, roofers, and insurance companies, facilitated by the “Assignment of Benefits” (AOB) system. This system allowed homeowners to directly transfer insurance claim rights to their roofing contractors. However, legislative changes in Florida have transformed this landscape, necessitating a deeper understanding for homeowners and contractors alike.

Deciphering the Impact of Florida Senate Bill 76

Insurance Claims and Roof Repair

Effective from July 1, 2021, Florida Senate Bill 76, backed by Governor Desantis and the Florida legislature, has redefined the concept of AOB. The new law introduces several stipulations affecting both homeowners and roofing contractors, marking a significant shift in how roof repairs and insurance claims are processed.

Changes for Roofing Contractors: Adhering to New Norms

The bill places constraints on contractors’ practices, including:


  • Prohibiting direct solicitation of homeowners for insurance claims.
  • Barring incentives for roof inspections or insurance claims.
  • Restricting compensation for referrals involving property insurance proceeds. Violations of these regulations can lead to severe penalties, highlighting the need for compliance and understanding of the new legal framework.

For Homeowners: Rules and Responsibilities

Homeowners must navigate a process for filing insurance claims. The bill mandates a two-year window from the event of damage for filing a claim and requires a 60-day notice prior to any lawsuit against the insurance company. Understanding these timelines and prerequisites is crucial for a smooth claim process.

Insurance Company Obligations and Homeowner Coverage

insurance and roofing in Florida

Under the law, insurance companies are required to cover the full cost of roofs less than 10 years old. However, coverage for older roofs may be reduced. Additionally, the law impacts the attorneys’ fees in lawsuits related to roofing insurance claims, which could affect the dynamics between homeowners, contractors, and insurance companies.

Classic Roofing & Construction: Guiding You Through Insurance Claims

Feeling overwhelmed by these legislative challenges? Classic Roofing & Construction is here to assist. Our expertise in the roofing industry, coupled with a deep understanding of Florida’s insurance laws, positions us as your ideal roofing partner. Whether you’re in St. Petersburg or the surrounding communities, we provide expert guidance and high-quality roofing services.

Our Commitment: Precision, Professionalism, and Peace of Mind

Our dedicated in-house team ensures precision and professionalism in every project. We adhere to all legal requirements, providing free inspections and detailed assessments to navigate insurance claims effectively. Our commitment is reflected in our extensive warranties, offering a 50-year material warranty and a 25-year workmanship warranty.

Expert Roofing Services in Compliance with Florida Laws

Classic Roofing & Construction stands ready to assist you with your roofing needs, ensuring compliance with the latest Florida roofing insurance laws. Schedule a consultation with us for an informed, seamless roofing experience.

For any questions regarding insurance claims and your roof in Florida, reach out to us. Our expertise in navigating these complex laws ensures that your roofing project is handled with the utmost care and professionalism.

FAQs: Insurance Claims and Roofing in Florida

What does the change in AOB mean for Florida homeowners?

The shift in AOB regulations means homeowners need to be more involved in the insurance claim process and adhere to the new legal requirements.

How can Classic Roofing & Construction assist me with my insurance claim?

Our team provides expert guidance through the insurance claim process, ensuring compliance with the latest laws and delivering top-quality roofing services.

What should I know about filing a roofing insurance claim in Florida?

Be aware of the two-year deadline for filing claims and the requirement of a 60-day notice before lawsuits, as mandated by the new legislation.

Insurance Claims and Roofing Video


Originally posted on March 8, 2022 and has been rewritten and updated with the most recent information


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