Rhyne Restoration roofing experts have many years of experience when examining roofing issues. We take great pride in making sure that your insurance covers all the necessary damage. Our evaluation will not be the same as what your insurance adjuster estimates.
Regardless of what your insurance company adjuster says or the cost of the roofing estimate which will be settled between the contractor and your insurance, you are only responsible for your deductible unless you decide to upgrade the materials to something better than what you currently have or get an enhanced warranty from the manufacturer.
Most adjusters are not fully aware of the Florida Building Code, and this is especially true after a major Hurricane storm. Numerous insurance companies are sending out adjusters from out of state. The resulting issue that comes out of this is that they do not include everything the Florida law requires to have your roof installed, so their estimated amount for the roof replacement is less.
When this occurs, your estimator will address these specific points missed on the adjuster's estimate and the building code. Most times, this is accepted by the insurance provider because it is Florida Building Code and required by Florida law, and our estimates at Rhyne Restoration & Roofing are exceptionally detailed. We provide the highest level of ethical estimating to ensure all your roofing issues are addressed.
Florida Law requires that the material used on your home needs to be the same type of materials. This means if you have a tile roof, they need to replace it with a tile roof. If you have an architectural shingle roof, they CANNOT downgrade your roof to a 3 tab shingle material. If you have a 3 tab shingle roof, they will only cover you for a 3 tab roof even though it has a significantly lower wind rating than an architectural roof. If your adjuster believes that the architectural shingles are only a decorative shingle, your estimator will provide the adjuster with the information regarding wind ratings on products and it should be approved quickly without issue.
YES, but you are responsible for the difference in cost, not your insurance company. If you have a 3 tab roof and you would like to get a an architectural shingle and a lifetime warranty that may include workmanship it may only be a few hundred to a few thousand dollars depending on the size of your roof, pitch, etc. This is a very common request for those who have had 3 tab shingles or live in certain areas that are more often impacted by hurricanes and tropical storms.
Another frequent inquiry is for a metal replacement because metal roofs, when using the right material, workmanship and not doing a "layover", it is the longest lasting roof in Florida and considered a "lifetime roof". These are the most expensive roofs to install because of the cost of the material, but using the amount your insurance is covering to restore it to what it was can sometimes cut what would have been the cost anywhere from 33% to 50%.