Storm Damage

Educate yourself on insurance claims.


STORM DAMAGE: Myths and Facts About Insurance Claims

Myth: I went out after the storm and looked at my roof. I didn’t see any roof damage.

Fact: Your roof must be physically inspected by a trained professional who has experience spotting damaged shingles. Many times we have gone out to a roof after the adjuster has inspected said roof and found damage that was missed. It is very important to have us meet with the adjuster; you only get one chance to have the claim settled in the field.

Myth: There are no missing shingles, so there must not be any damage.

Fact: Just because you don’t have missing shingles doesn’t mean you don’t have storm damage to your roof. Missing shingles are generally associated with wind damage.

Myth: My roof is brand new, so the damage will be covered by the shingle manufacturer.

Fact: This is definitely not true. Most companies and manufacturers specifically name hail and storm damage as a void in warranty. This is even more of a reason to have your roof inspected if you have had a new roof installed on your home. You don’t want to void the warranty!

Myth: There was very little damage and I don’t need to file a claim on my roof.

Fact: If your roof has any damage at all, you have a legitimate claim. Storm damage to your roof might cause your roof to leak years down the road. This is why it’s always good to call Highpoint Roofing for a free inspection and/or a second opinion.

Myth: I think my insurance company will cancel my policy if I file a claim.

Fact: Usually, insurance companies are not allowed to cancel your policy just for filing a legitimate insurance claim coming from a storm.

Myth: If I don’t file an insurance claim on my roof, my rates won’t go up.

Fact: After a large storm, insurance companies can raise everyone’s rates regardless of you having filed a claim or not. If you don’t file a claim, your personal rate increase is paying for everyone else’s roofing claims except yours.

Highpoint Roofing does not allow for any discounts, applications of coupons or waivers of insurance deductibles under any circumstances per Florida Law

Florida Statute 817.234 False and Fraudulent Insurance Claims (7)(d) A contractor, or a person acting on behalf of a contractor, may not knowingly or willfully and with intent, defraud, or deceive, pay waive, or rebate all or part of an insurance deductible applicable to payment to the contractor, or a person acting on behalf of a contractor, for repairs to property covered by a property insurance policy. A person who violates this paragraph commits a third degree felony, punishable as provided in s. 775.082, s. 775.083, or s. 775.084.

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