We’ve seen so many roofs that have severe undetected wind DAMAGE. Most people are totally unaware of the damage their home may be receiving due to these undetected issues. Let us help you be proactive about it!
1. If your roof has, lift shingles, broken seals, loose shingles, and missing ridge caps, these are a good indication that your roof has been compromised by storm winds and hail damage.
2. If your roof is more than 12 years old, it may be out of code, in which case your entire roofing system may be eligible for full replacement covered by your insurance company.
3. If your roof needs a repair and the manufacturer discontinued/no longer makes the shingles/tiles of your existing roof, Florida Matching laws require a full replacement by your insurance carrier.
Also, your insurance carrier cannot raise your rates or drop you for filling a claim. Wind and hail damage is an “Act of God” (natural disaster) claim; we have no control over the weather!
We provide Complimentary Roof Inspections!
Assisting you from start to finish; finding any wind-lifted shingles/tile, checking for future potential leak areas due to wind or hail damage, and Xactimate Writing.
No contractor should be offering to a residential property owner a rebate, gift, gift card, cash, coupon, waiver of any insurance deductible, or any other thing of value in exchange for: Allowing the contractor to conduct an inspection of the residential property owner’s roof; or Making an insurance claim for damage to the residential property owner’s roof.
Storm Damage
Need Insurance Claim Help?
- Our expert roof inspectors will inspect, estimate, and explain the best practices for documenting storm damage and reporting the damage to your insurance company.
- We can assist you in the process of documenting the claim.
- As the roofer, we can communicate with your insurance company & adjusters to explain our proposed scope of work.
INSURANCE CLAIM?
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Speak With
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Here you’ll find a compilation of the most frequently asked questions. If there’s something you want to know which isn’t here, please send an email to office@roofingempireinc.com!
No, they should not. You pay for homeowner’s insurance in case of natural disasters. You cannot be penalized for opting to use your insurance.
A deductible is the amount of money a policyholder must pay out of pocket as their portion of the claim. If you file a claim and is covered, the deductible is subtracted from the amount the insurance company gives you to pay your contractor.
Absolutely! Labor and materials are fully guaranteed. We offer a 30 year and optional Lifetime Warranty on materials and a 10 year transferable warranty on our labor.
Yes, Roofing Empire, Inc is licensed as a certified roofing contractor, and we carry full liability insurance and workers compensation. Customers are put at ease knowing our company is reputable, financially secure, well established and safe.
Our company uses asphalt shingles architectural styles from a variety of manufacturers to suit customer needs. Some preferred supplies used are Owens Corning, GAF, IKO, and CertainTeed. If specific manufacturers are requested our company will gladly use the requested product when available.
Architectural shingles are two layers of shingle material bonded together, giving them a three-dimensional appearance. They provide protection and deliver a superior appearance. Our company highly recommends these dimensional shingles, and if not covered by your insurance our company can make this upgrade an affordable choice for homeowners.
Insurance companies typically do not cover damage to wood, underlayment, or rafters. It is the homeowner’s responsibility to cover this cost. However, 90% of homes only need a few pieces of wood replaced, generally near chimneys and vents. We will gladly file a supplement to the insurance company to reimburse you for the wood cost. Florida Building Code requires good wood to re-nail the deck and meet the code.
We do all the work for their industry standard price. Measurements and costs are compared with your insurance company to make sure no items were left out, or underpaid. If any discrepancies arise, they are notified and adjustments are made.
The insurance and mortgage claim process can take as little as two days or up to two months. Roofing Empire Inc is highly experienced in working with these companies and strives to complete the process in a timely manner.
Some of our customers may have a contract of insurance that covers all or part of our estimate or contract with our customer. If you are a customer, insurer, agent of insurer, adjuster, engineer, or work for an insurer, please take note that we only discuss facts and opinions of our estimates and contracts. If our customer has any contract of insurance, the contract is between the insurer and the insured. Our contract with our customer is a separate, independent contract. Our customer may ask us to provide a cost to repair damage caused by a recent storm to an insurer, agent of an insurer, adjuster, or engineer. Our authorization is limited to discussions of our estimate, contract, factual findings, and opinions, but not any policy of insurance.
We are authorized to discuss our company’s repair costs as a quality contractor to repair storm damage. We can explain our bills, costs, and what we believe is the total costs to repair the storm damage. As a quality contractor, our company has experience and expertise in determining how much a quality contractor will charge to repair property damaged by storm events, and in interpreting and gathering evidence of causation of damages. Prior to issuing our estimates, we have interviewed our customer about the pre-loss condition of the property, conducted an inspection of the physical evidence at the site, gathered evidence from manufacturers of materials, and discussed the procedure and labor necessary to perform a repair or replacement of the damaged property.
Accordingly, we may be able to provide you with proof of loss evidence as a fact or expert witness on the damage and costs of repair of the damage at issue. Our company is not a public adjusting company, nor is it a law firm, thus we do not offer or provide public adjusting or legal services to our clients. We are not an attorney or a public adjuster, therefore, neither I nor my company is collecting a fee for such services nor will we perform such services. Accordingly, we cannot and will not discuss the policy provisions of any policy of insurance our client may have with you nor are we authorized to negotiate the compromise of any insurance claim. A condition of my willingness and authority to communicate with you is your agreement that you will not solicit any information you believe would induce me to speak of any matter that constitutes the practice of public adjusting or law.
If at any moment you believe any of our communications are impacting or may impact any issue requiring a public adjusting or law license, you are to stop the communication immediately and ask to speak to our corporate counsel. If in the course of our communications you do not request to speak with our attorney, we will reasonably assume that you conclude that our communications are authorized, within our authority, and do not involve any issue that would require a public adjusting or law license.
All receipt and use of any communications from my company or I are conditioned upon your acknowledgement of the following conditions set forth by our corporate counsel.
Please be advised that our company has outside general counsel to ensure legal and regulatory compliance of our company and employees. Our general counsel (sometimes referred to as our attorney or corporate counsel) also deals with our customer’s legal compliance and the legal rights of our company. Any and all matters deemed by your company or employees to involve issues of public adjusting or the practice of law must be directed to our corporate counsel.
If you are an insurer, agent of an insurer, adjuster, engineer, or anyone working for an insurer and any of your questions or inquiries require the interpretation of a policy, the law, or any legal rights of an insured, you must refer the questions or inquiries to the attention of our corporate counsel. No employee of this company is authorized to communicate on issues regarding anything that may be considered the practice of law or public adjusting.
If you need to discuss the legal rights under a policy of insurance or any policy terms during the review of a contract, assignment, estimate, or claim investigation as an insurer or on behalf of an insurer, you must refer any such questions or inquiries to the attention of attorney. Any questions regarding insurance benefits or an assignment of benefits (AOB) to our company, you must refer this matter to our attorney. The only appropriate entity to communicate any request or opinions that you deem to relate to matters of law or policy interpretation is our attorney.
You are advised that directing or soliciting information from our company or employees that may be considered unlicensed public adjusting or the unlicensed practice of law may be considered a crime. To reach our attorney, communications to our company or employees must be made to the attention of our legal department. Communications to our legal department will be forwarded accordingly.
Our company has a zero tolerance policy for insurance fraud. It is our policy that all suspected instances of insurance fraud by any persons must be reported to our corporate counsel. If we and our legal department deem that an adjuster and/or engineer had faked any fact to impact an insurance claim, which is a crime, we will report such evidence to the proper authorities.
We reserve the right to investigate such fraudulent conduct in good faith and report any evidence of carrier or insurance fraud by any insurer agent, adjuster, or engineer to the State Attorney General, Commissioner of Insurance, local authorities, and the relevant adjusting or engineering licensing department.
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