New Florida Homeowners Insurance Laws

Only Licensed Experts can Assess Your Roof’s Condition, Not Insurance Companies

Disinformation “Insurance Companies Don’t Have the Authority to Judge Your Roof’s Condition.”

 

“The insurance company does not have the contractor license or roof mitigation license to make that determination.”

Perhaps one of the most Flagrant deceptions is that insurance companies have the final say on whether your roof is in good condition or not. Insurance companies are not Licensed contractors or Licensed roof mitigation specialists. They do not have the technical expertise OR License to determine whether your roof needs to be replaced or can still last for several more years.

As a homeowner, you have the legal right to hire a licensed contractor licensed, engineer, or licensed roof mitigation specialist to assess your roof. If these professionals certify that your roof is still structurally sound and can last beyond the standard lifespan (like 30 years), the insurance company cannot legally drop your coverage based solely on the roof’s age.

 

Roof-to-Wall Connections:

  • Securing your roof to the walls with hurricane clips or straps helps prevent the roof from being blown off during high winds. This is a critical upgrade for ensuring your roof stays attached and your home remains protected. LINK https://www.theroofstore.net/roof-shield-system.php

 

Garage Door Reinforcement:

  • Garage doors are often vulnerable to wind damage. Reinforcing your garage door with additional bracing or upgrading to a wind-rated garage door can prevent it from being blown inwards, which can compromise the entire structure of your home.

 

Gable End Bracing:

  • Gable roofs are more susceptible to wind damage due to their flat sides. Adding bracing to the gable ends helps stabilize the roof during strong winds and reduces the risk of collapse. Customer Review:

 

Patrick Pointu (Palm Beach County Sherriff)
4636 Poinciana Street
Lauderdale By The Sea 33308
Roof Shield 1700 sq ft Flat BB.U.R roof (two story)

 

Reinforced Soffits and Attic Vents:

Secondary Water Barrier:

  • Adding a secondary water barrier beneath your roof covering can help prevent water intrusion if your roof is damaged. This extra layer of protection is especially useful in reducing water damage during hurricanes.