Wilma in 2005 is still the local benchmark, and it is why Coconut Creek's building stock divides so cleanly into roofs replaced since and roofs that were not. If yours is in the second group, a storm claim will turn almost entirely on documentation — dated photographs, a written assessment of what failed and why, and a scope written to the code the roof has to meet now. We produce all three before anyone starts talking about money.
The claim also looks different depending on what you own. A pitched tile roof in Regency Lakes shows storm damage as cracked and displaced tile and lifted ridge; a Wynmoor low-slope roof shows it as membrane tears, lifted flashing and blocked drains holding water. Adjusters see both, but the evidence supporting each is not the same, so we document to the roof in front of us rather than to a template.
ACV, RCV and the hurricane deductible — what actually lands in your account
Three policy terms decide your net outcome, and homeowners usually meet them for the first time mid-claim. Actual cash value pays the depreciated value of the roof up front. Replacement cost value releases the withheld depreciation after work is completed and invoiced. And Florida policies commonly carry a separate hurricane deductible — often around 2% of dwelling coverage — that applies instead of your flat all-other-perils amount.
- Check whether your roof is covered at ACV or RCV before you file.
- Find your hurricane deductible; 2% of dwelling coverage is common.
- Under RCV, depreciation is generally released only after work is finished.
- Photograph everything before any tarping or temporary repair goes on.
- Your policy language governs — confirm the specifics with your insurer.
Wind mitigation is worth doing whether or not you claim
A wind-mitigation inspection documents the storm-resistant features insurers actually price: a sealed roof deck, a secondary water barrier, roof-to-wall connectors, opening protection. Strong results can lower a Florida homeowners premium by roughly 10 to 40 percent, and a code-compliant HVHZ replacement generally produces good ones by default. The My Safe Florida Home program has at times offered free inspections and grants toward upgrades, though funding has varied from year to year — check current availability before counting on it.
Other roofing services in Coconut Creek
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Frequently asked questions
Usually, when the damage came from a covered hurricane, windstorm or hailstorm. Age-related wear typically is not covered, which is why documentation decides most claims. We inspect free, photograph everything with dates, write the assessment, and meet your adjuster on the roof rather than at the kitchen table.
Recent Florida statute changes generally allow one year from the date of loss for a new hurricane or windstorm claim, and individual policies carry their own prompt-notice requirements on top of that. Do not rely on the outer limit — confirm your deadline with your insurer and get the damage documented now.
Yes, once you have photographed the damage. Insurers generally expect you to take reasonable steps to prevent further damage, and emergency tarping is exactly that — typically $400–$1,500. Photograph the damage first, keep every receipt, and we will document the stabilization for the claim file as well.