Roof Damage
Available in Florida, Illinois, and Wisconsin
Specialized public adjusting for all types of roof damage claims. From missing shingles to total roof system failure, we fight for full replacement.
Understanding Roof Damage
Your roof is your property's first line of defense, and roof damage claims are among the most common disputes between policyholders and insurers. Whether the damage is from wind, hail, fallen trees, or age-accelerated wear after a storm, our IIBEC-accredited roof inspectors identify every deficiency and document it to manufacturer and building-code standards.
Common Damage We Document
- Shingle blow-off and uplift
- Granule loss that reduces UV protection
- Flashing failure at penetrations and valleys
- Underlayment exposure and deterioration
- Tile cracking and displacement
- Flat roof membrane tears and punctures
- Ridge cap and hip damage
- Decking rot from prolonged water intrusion
Why Roof Damage Claims Are Under-paid
Insurance carriers use specific strategies to minimize payouts on roof damage claims. Here's what to watch for:
- Carriers offer "repair" when the building code actually requires full replacement
- Depreciation is applied excessively to reduce actual cash value payments
- Hidden underlayment and decking damage is not evaluated by carrier adjusters
- Florida's 25 % rule is ignored by carriers who patch rather than replace
- Code-upgrade costs are excluded from estimates despite being required by law
How Liberty Can Help
Our IIBEC-accredited inspectors conduct full roofing-system assessments—not just surface checks. Using drone technology, we document damage to every component: shingles, underlayment, flashing, decking, penetrations, and drainage systems. We reference local building codes, manufacturer warranties, and the Florida 25 % damage rule to prove replacement is required, not just repair.
Time-Sensitive
Unrepaired roof damage leads to interior water intrusion, mold growth, and escalating structural costs. Prompt documentation is essential.
State-Specific Information
Florida
Florida's 25 % damage rule means that if 25 % of your roof system is damaged, you may be entitled to a full replacement under the Florida Building Code. Our adjusters document every test square to this standard.
Illinois
Illinois roofing claims are complicated by steep-slope design requirements and wind-uplift codes. Our team ensures carrier estimates reflect current code requirements and material costs.
Wisconsin
Wisconsin's ice, snow, and freeze-thaw cycles create unique roofing challenges. We document ice-dam damage and ventilation deficiencies that contribute to premature roof failure after storms.
Our Roof Damage Claim Process
Free Claim Review
Contact us for a no-cost evaluation of your roof damage claim. We'll review your policy and assess your situation.
Property Inspection
Our team conducts a thorough on-site inspection using drones, thermal imaging, and forensic documentation tools.
Claim Preparation
We prepare a comprehensive claim package including detailed damage estimates, photographic evidence, and policy analysis.
Carrier Negotiation
We negotiate directly with the insurance company, presenting evidence that supports the maximum settlement under your policy.
Settlement & Recovery
We secure your settlement and ensure all covered damages are included. Our fee is only collected after you are paid.
Real Results for Real People
Our clients consistently recover significantly more than the insurance company's initial offer. Here's what they have to say.
Ready to Get Started?
Schedule a free estimate with us today!