Roof Insurance Claims

Palm Bay Roof Insurance Claims

We get our share of heavy wind and rain here on the Space Coast. Sometimes, those storms leave roof damage in their wake. The process of getting an insurance claim covered can be tedious, and there are some potential pitfalls that homeowners need to be aware of. 

While every case is different, what follows is a good step-by-step approach for Palm Bay homeowners to handle their roof insurance claims: 

Document the Damage

As soon as you notice roof damage, take detailed photos and videos from various angles. Include both close-ups and wide shots to clearly capture the extent of the damage.

Review Your Insurance Policy

Carefully read through your homeowner's insurance policy to understand what is covered. Pay particular attention to any exclusions or specific conditions related to roof damage.

Schedule an Inspection

At 3LP Roofing Inc, we believe insurance claims should be submitted only after a full roof inspection. It’s possible, depending on the circumstances, that you may not want to file an insurance claim. 

One reason is that the costs of repairing the damage could be small enough that filing a claim isn’t worth the trouble and may not even cover the cost of your deductible. Furthermore, it can have negative ripple effects on your premium. 

Carriers consider several factors in your premium, and claim frequency is one of them. This refers to how many times you file claims over a period of three to five years. The more frequent your filings, the higher the premium is likely to be. Furthermore, a zero-dollar payout on a claim can be detrimental to your future insurability. 

A professional roof inspection is a good way to decide whether filing a claim is in your best interest. 

Proud Awards, Certifications & Featured Brands

  • 2024 Choice Awards Brevard Finalist
  • BBB Accredited A Rating
  • Owens Corning Preferred Contractor
  • IKO Dynasty

File the Claim

Presuming it’s worth it, submit the required documentation, including your photos, videos, and our inspection evaluation. 

Keep Ownership of the Claim 

We also believe that the homeowner should remain in control of their claim, if possible. Often, if your claim is legitimate, there may not be a reason to give it over to anyone. Only when a carrier acts unjustly should the claim need additional assistance. 

When considering a claim, take the documentation or pictures provided by the contractor and discuss the damage with your local insurance agent to determine whether it is a covered peril and where your deductible falls on the peril. Education and understanding are vital when considering an insurance claim.

Follow Up Regularly

Continue Reading Read Less

3LP's Got YOu Covered

Our roofing services go above and beyond. We make sure you know what's raising the roof!
  • Licensed & Insured
  • Free Estimates & On-Site Inspections
  • 10-Year Workmanship Warranty
  • Locally-Owned & Family Operated
  • Competitive Pricing
  • Knowledgeable & Experienced

Let Us Help You Through the Roof Insurance Claim Process

No one likes to deal with roof insurance claims, but if you go in well-prepared on what to expect, you can make good decisions that protect your financial security and your Palm Bay property. 

Call (321) 385-8193 or contact us online today. We also serve residents of Brevard and Indian River Counties.

Recent Work

Check Out Our Huff & Puff-Proof Roofs
icon

Contact 3LP Today

We're Ready to Help!
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please lookup your address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy

Hear From Our Happy Customers

3LP Puts Your Satisfaction First, Always!
    "Met All of My Needs"
    I entertained 5 offers to replace my roof and considered factors such as experience, products, warranty, and price. 3LP Roofing Inc met all of my needs. Our new roof adds a clean, polished look to our house and adds great value. I highly recommend 3LP.
    - John E.
    "Excellent Work"
    Jeff and Lisa are honest and straightforward. The quality of work is excellent and they leave your property impeccably clean. 3LP Roofing Inc is a great local roofing company and I highly recommend them.
    - Oliver R.
    "Stunning Roof"
    3LP Roofing Inc replaced our roof quickly and professionally. The roofing crew was amazing and they wasted no time getting the job done. After everything was done, we were stunned at how great our home looked. I would highly recommend 3LP to anyone.
    - Scott C.
    "Professional & Kind"
    Jeff, Lisa, and the entire team have been an absolute pleasure to work with. They have helped me understand and have taken me through every step of the process after hailstorm damage. Unbelievably professional and kind, I highly recommend them!
    - Brenda C.
    "Job Done as Promised"
    I had my roof replaced by 3LP Roofing Inc while I was on vacation. I met with Jeff in advance and he gave me great information and assisted me with choosing the roof shingle color. The job was done on time as promised and it looks absolutely beautiful.
    - Nancy K.
    "Easy & Convenient"
    What a great company! We lived out of state from the home that was getting a new roof. They worked with us through the entire process to ensure we were satisfied with their service. We want to thank them for making this project easy and convenient.
    - Karen B.
    "Excellent Service"
    A friend recommended 3LP which led to an extraordinary experience for us. Good price, excellent service with clear consistent communications. Great workers, well-done installation with superb cleanup.
    - Bill S.
    "Very Honest"
    Excellent company to handle roofing needs. Very honest and above board in their dealings and careful in the execution of the work. I highly recommend their service.
    - Joan M.