Insurance claims guide
Tile Roof Insurance Claims in Florida: What Gets Covered and What Gets Denied
The short answer
- Usually coveredSudden damage from a storm or something hitting the roof.
- Usually deniedAge and wear, or a repair that costs less than your deductible.
- DeadlineOne year from the storm to tell your insurer.
Your insurer decides coverage, not the roofer.
Want a roofer to look first? Call (407) 809-7663, answered 24/7, or request a free inspection.
Should you file a tile roof insurance claim or pay for the repair?
Florida hurricane deductibles are often 2, 5 or 10 percent of the dwelling limit, the amount your policy insures the house for. Some policies use a flat amount instead.
Enter your deductible and repair estimate to see whether a claim is worth filing.
Fill in the fields to see your deductible.
An estimate only. Your policy and your insurer decide coverage.
What a tile roof insurance claim covers and what gets denied
What caused the damage decides the claim, not how bad it looks.
Covered
- Wind that lifts or breaks tiles
- Hail or a branch that cracks them
- A tree that lands on the roof
Denied
- Tiles worn down by years of weather
- Damage from poor upkeep
- A leak that traces back to wear
How long you have to file a Florida roof claim
Florida law sets four clocks on a roof claim (sections 627.70132 and 627.70131, for policies issued or renewed on or after December 16, 2022). Pages that still say three years are out of date.
Hover over the cards to spread them out.
From the date of loss to give your insurer notice.
To file a supplemental claim for damage found later.
For the insurer to acknowledge your claim after you report it.
For the insurer to generally pay or deny the claim.
Report storm damage early. Waiting gives the insurer room to argue the damage got worse on your watch.
Repair or full replacement: what the 25 percent rule says
On an older roof, a large repair can force a whole roof section up to current code (section 553.844(5)). The year your roof went on decides whether that applies.
Hover over or tap the card that matches your roof to see which rule applies.
Not sure which card fits? The 2007 code took effect on March 1, 2009. Ask your building department for the permit date on your last reroof: on or after that date, the first card applies. See our pages on roof repair and roof replacement.
Will insurance match discontinued tile?
Short answer
If new tile can’t reasonably match in quality, color or size, the insurer must make reasonable repairs to the areas next to it (Florida section 626.9744).
Your policy sets how far that goes.
Before any work, photograph your tile: the color, the shape and any maker marks on the back of a loose piece. See our tile roof service page.
Tile roof insurance claim questions
What should I document before I file a tile roof claim?
Photos of the damage and the roof around it, taken before anything is moved. Write down the storm date. Keep receipts for tarping or emergency repairs, and save any earlier inspection reports.
What if my insurer denies or underpays the claim?
Ask for the reason in writing, with the policy language it relies on. You can ask for a re-inspection and send your own photos and a roof inspection report. Coverage decisions and claim handling are between you and your insurance company.
Can I repair broken tile before the insurer looks at it?
Policies commonly expect you to stop further damage, such as covering a hole with a tarp. Read your policy before any permanent repair.
Do I need a roofer before I file a claim?
No. You can report the loss first. A roof inspection can show what is damaged and why, and ours is free. We document visible damage and tell you what repair is needed.
Read how to tell if a roofer is being honest about insurance claims, or see our insurance claims page.
