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 litigation.  The short answer is “yes.”  But, there are some caveats. 
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On May 20, 2015, a powerful wind and hail storm plowed through the Oviedo and Winter Springs area in Seminole County, Florida.  The storm dropped hail and brought powerful winds throughout the region.  I’ve helped 1000’s of people with homeowners and business owners insurance claims for wind and hail damage to their homes and roofs.

If you believe your home or business has suffered wind or hail damage let me review that claim with you for free.
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Like almost all homeowners in Florida, my clients have a replacement cost homeowners’ insurance policy.  This means that regardless of the age of their roof, the insurance company promised to pay the costs for a new roof if the roof has to be replaced because of hail or wind damage.  (Don’t feel too sorry for the insurance companies, they charge a premium for this replacement cost coverage, and they are not forced to offer this type of coverage if they don’t want to.)

On July 8, 2012, my clients home was hit by a hail storm.  At the time of the storm their architectural shingle roof was 15 years old.  The homeowners submitted the claim to their homeowners insurance company.  Their
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My client was at home during a severe hail and wind storm which occurred on March 24, 2013.  She even has pictures large pieces of hail in her hand.  Her roof sustained significant hail and wind damage.  She promptly called her homeowners insurance company to report the claim, and it promptly denied the claim – saying they were unaware of any storm, and did not see any storm damage.
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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.
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