In every roof damage claim I pursue, I, and my experts, perform a forensic examination of the roof. A forensic roof inspection includes photographs and a video inspection of the roof. In hail damage cases we look for hail impact marks on the shingles, the soft metals on the roof, and screen enclosures… Continue Reading
Gainesville Florida was hit with a major hail storm on March 14, 2012. The hail storm damaged thousands of roofs. This type of damage is covered by homeowners insurance policies. And, homeowners insurers cannot take deductions based on the age of the roofs; and generally can’t pay for partial roof repairs. As you can imagine, insurance companies … Continue Reading
About 2 months ago, I filed a lawsuit against my client’s homeowners insurance company for refusing to pay for wind damage to his roof. The insurance company had hired an engineer who wrote a report stating that there was no wind damage. This happens all the time. In my experience of doing this for over … Continue Reading
We recently filed a lawsuit against American Traditions Insurance Company on behalf of our client. Our client is a homeowner who sustained wind damage to her roof and interior water damage during the March 30/31, 2011 unnamed storms. The homeowners insurance company only paid for in the interior damage and claimed that the roof was … Continue Reading
My client, who lives in eastern Volusia County, suffered wind damage to his roof during a significant unnamed storm on January 25-26, 2011. He submitted the claim to his homeowners insurer. As often happens, the homeowners insurance company hired an engineering firm to inspect the roof and prepare a report. As often happens, the engineer … Continue Reading
My client, a local lawyer, sustained substantial wind damage to his tile roof as a result of the severe unnamed storm that hit our area on March 30, 2011. He submitted the claim to his homeowners insurance company. The insurance company had his roof inspected by an engineering firm that found that his tile roof - which … Continue Reading
My client’s slate roof was damaged by wind in a severe March 30, 2011 unnamed storm. I have many, many roof cases arising from this severe wind event. Several tiles were blown off during the storm. Thankfully, there is no leaking yet. Nor, does there have to be in order to force your insurance company to … Continue Reading
My client purchased a standard Florida homeowners insurance policy when she bought her home in 2006. At the time of the purchase her mortgage company required a home inspection. The home inspection revealed that the roof was in good shape with no noticeable damage. In 2010, she noticed that several of her neighbors were having … Continue Reading
On March 30, 2011 a severe unnamed storm hit Central Florida with high winds, rain and hail. Since then I have filed at least 20 lawsuits against various homeowners insurers for wrongly denying roof damage claims. Most of those cases were immediately settled by the insurance company as soon as they received the lawsuits. Yesterday, I settled … Continue Reading
My client’s home is insured by State Farm Florida. On July 1, 2010, there was a significant wind event in east Orange County, Florida. My client submitted the claim to his homeowners insurer. The homeowners insurer hired an engineering firm to inspect the house. The engineers hired by the insurance company wrote a report that there was no wind … Continue Reading
I have previously written rather extensively about insurance coverage for wind damage to roofs. You can see my articles on roof claims by clicking here: http://www.floridainsuranceblog.com/articles/insurance-coverage-homeowners/roof-claims/ When litigating roof claims it is important to document the wind damage. Wind damage is somewhat easy to see if you know what to look for. Shingles are manufactured … Continue Reading
You spend a lot of money on homeowners insurance. What does it really cover? And, what do you do if your insurance company denies, low-balls, or simply delays your claim? You have more power than you think. There are innumerable ways your home can be damaged. You may immediately think of fire and storm damage … Continue Reading
My client sustained damage to his roof from Tropical Storm Fay. After the storm, he found many of his shingles in his yard. He called a roofer who confirmed that he had sustained wind damage to his roof, and that his roof needed to be replaced. He also called his homeowner’s insurer who stated that … Continue Reading
My client insured her home with a standard Florida homeowners insurance policy. The roof of her home did not leak until hit by strong winds during Tropical Storm Fay in August of 2008. Shortly after the storm she submitted a claim to her insurance company to evaluate her roof damage. The insurance company adjuster inspected the roof and found … Continue Reading
I represent many homeowners and business owners who are suing their insurance company for roof damage from wind or hail. Many times, the leaking in the house gets so bad that the roof must be replaced during the course of litigation. My clients frequently ask whether it is ok to replace their roofs during the … Continue Reading
