On a covered roof insurance claim in Florida, your out of pocket cost is usually just your deductible. ICAS Storm Restoration helps you file the claim, meets your adjuster on the roof, and manages the work from approval through completion, so a storm damaged roof gets restored correctly with our own licensed and insured crews.
Pick your area for local roof insurance claims costs and a free estimate.
Apopka has grown from its plant nursery and foliage roots into one of the fastest growing cities in Orange County, so newer subdivision roofs sit near older rural properties on acreage. Hail and straight line winds off the summer storm lines are the recurring threats this far inland. Census figures put the median Apopka home at about 25 years old, built around 2001. Call (321) 486-8948 or book a free estimate for Apopka pricing.
Clearwater spans the Gulf barrier island and a mainland core built heavily in the mid century decades, which leaves a large stock of older roofs in salt air. Afternoon storms roll in off the Gulf all summer. Roof age is a live insurance issue for many owners here. Pinellas building rules and the barrier island wind zone shape reroof permits here, and many condo and townhome associations add their own approval step before work starts. Census figures put the median Clearwater home at about 48 years old, built around 1978. Call (321) 486-8948 or book a free estimate for Clearwater pricing.
Deltona was planned and platted in the early 1960s as one large residential community, and much of its housing dates from the 1970s through the 1990s, which puts a large share of its roofs at or past replacement age. As a bedroom community many owners commute, so storm damage often goes unexamined until a leak shows up. Per American Community Survey data the median home in Deltona was built around 1988, which makes the typical house about 38 years old. Call (321) 486-8948 or book a free estimate for Deltona pricing.
Kissimmee carries a heavy mix of primary homes and short term rental properties serving the attractions corridor, most built from the 1980s onward. Rental owners tend to discover roof problems late because nobody is home to notice a stain. Storm lines crossing Osceola County bring hail and wind through every summer. Per American Community Survey data the median home in Kissimmee was built around 1992, which makes the typical house about 34 years old. Call (321) 486-8948 or book a free estimate for Kissimmee pricing.
Orlando roofs cover housing from every era of the metro's growth, from prewar bungalows near downtown to the stucco and shingle subdivisions that spread with the parks economy. The inland position does not spare it: hail rides the I4 corridor and recent hurricane seasons have pushed wind claims far from the coast. Insurers here watch shingle age closely. Tile is common on the higher end subdivisions of the southwest metro while shingle dominates elsewhere, and reroof permits run through county or city building departments depending on the address. Census figures put the median Orlando home at about 35 years old, built around 1991. Call (321) 486-8948 or book a free estimate for Orlando pricing.
St. Cloud is home ground for ICAS, from the older lakefront grid near East Lake Toho to the fast growing corridors toward Narcoossee. The mix runs from century old frame homes downtown to brand new block construction, and the summer storm pattern spares neither. The typical St. Cloud home dates to around 2002 per Census data, roughly 24 years of Florida weather and daily use. Call (321) 486-8948 or book a free estimate for St. Cloud pricing.
Tampa mixes older neighborhoods like Seminole Heights and South Tampa, where many homes still carry original era roofs, with decades of newer suburban growth. Salt air off the bay works on fasteners and flashings, and Gulf storms bring both wind and hail into the metro. Tile and shingle sit side by side on the same streets here. Census figures put the median Tampa home at about 42 years old, built around 1984. Call (321) 486-8948 or book a free estimate for Tampa pricing.
A roof insurance claim is about your policy, not a retail price. Here is what homeowners in Florida typically pay. Your exact numbers depend on your policy and the damage, confirmed at a free inspection.
| Claim scenario | What you typically pay |
|---|---|
| Free storm damage inspection | Free |
| Covered roof claim | Your deductible |
| Separate hurricane deductible | Set by your policy |
| Full replacement if a claim is denied | $12,000 to $30,000 |
Figures are typical ranges and vary by project. Your free estimate is exact.
ICAS Storm Restoration measures your project and gives you a clear written estimate at no cost.
We are a local contractor and we stand behind every job. You are not handed off to a subcontractor. Every job follows the same disciplined process:
Florida has one of the toughest roofing insurance environments in the country. Carriers watch roof age closely, storms trigger a wave of claims every summer and fall, and homeowners are often left unsure what their policy actually covers. Having a licensed roofer document the damage and stand with you through the claim levels the field. ICAS Storm Restoration does this every day for homeowners across Florida, on real, storm caused damage.
On a covered claim your out of pocket is usually your deductible, and Florida policies often carry a separate hurricane deductible for named storms. If a claim is denied and you still need a new roof, a replacement typically runs about $12,000 to $30,000. ICAS Storm Restoration inspects free and explains your numbers before you file.
It runs in four steps. ICAS Storm Restoration files the claim on your behalf and the insurer assigns an adjuster, our expert meets the adjuster on the roof to review the damage, the insurer issues proceeds, then we complete the roof and send a certificate of completion. You handle your deductible and we manage the rest.
A single storm claim for sudden damage is treated differently than repeated or preventable claims, and rates in Florida are driven by many factors beyond one claim. The bigger risk is often leaving real storm damage undocumented until it gets worse. ICAS Storm Restoration helps you make an informed decision after a free inspection.
Replacement cost coverage pays to replace your roof with a new one, minus your deductible. Actual cash value subtracts for the age and wear of the old roof, so you receive less and cover the gap yourself. Knowing which your policy carries changes the math, and ICAS Storm Restoration helps you read it.
Yes. A ICAS Storm Restoration roofing expert meets your adjuster on the roof, points out and reviews all the documented damage, and makes sure the approved scope reflects what your roof actually needs.
A denial is not always the end. Sometimes damage was missed or the documentation was thin, and a re inspection or supplement can help. If the roof still needs replacing out of pocket, ICAS Storm Restoration gives you a fair price, about $12,000 to $30,000 for most homes, and financing options.
Yes, when the damage is real. ICAS Storm Restoration documents genuine storm damage, meets your adjuster, and completes the approved work. We do not invent damage or inflate claims. Honest documentation of real damage is exactly what your policy is for.
It varies with the insurer and the storm season workload, from a couple of weeks to longer after a major event. ICAS Storm Restoration keeps the claim moving, meets the adjuster promptly, and schedules the roof as soon as it is approved.
Yes. ICAS Storm Restoration is a state certified, licensed and insured Florida roofing contractor (license CCC1332141) and a GAF Master Elite certified installer. We manage the claim and complete the roof with our own crews, backed by a workmanship warranty.
Start with a free inspection. ICAS Storm Restoration documents the storm damage, tells you honestly whether you have a claim, and if you do, files it on your behalf and manages it through to a finished roof in Florida.
Yes, a standard Florida homeowners policy covers hurricane roof damage as windstorm loss, and you pay only your hurricane deductible, which Florida Statute 627.701 lets insurers set at $500 or at 2, 5 or 10 percent of your dwelling coverage. On a home insured for $300,000, a 2 percent deductible means the first $6,000 comes out of pocket, and the policy pays the rest of a covered repair or replacement. What changes the number is the deductible percentage you chose at renewal, whether the adjuster classifies the damage as sudden wind loss or long term wear, and whether the roof was already past its expected life. Florida Statute 627.70132 gives you 1 year from the storm date to report the claim, so photograph the damage and get an inspection early. If the claim is denied, ICAS Storm Restoration's published price table puts a full replacement at $12,000 to $30,000 out of pocket, and the storm damage inspection is free either way.
In Orlando you have 1 year from the storm date to give your insurer notice of a roof claim under Florida Statute 627.70132, and the insurer must pay or deny it within 60 days under Florida Statute 627.70131. Start by photographing the damage with dates, then get a free storm damage inspection so you know the scope before you call. File by phone or the insurer's portal, give the exact date of loss, and have your roofer meet the adjuster on site to walk the roof together. If the claim is approved, you pay only your deductible. For a named hurricane that deductible is typically 2, 5 or 10 percent of your dwelling coverage per Florida Statute 627.701, while hail or wind from an ordinary thunderstorm uses your flat all perils deductible. Roof age, partial versus full damage and code upgrade coverage change the payout. If the claim is denied, a full replacement runs $12,000 to $30,000 according to ICAS Storm Restoration's published price table, and its own crews handle the inspection, the adjuster meeting and the work.
A licensed roofing contractor handles the inspection, documentation, adjuster meeting and the repair of a roof insurance claim in Central Florida, while the homeowner files the claim and pays a deductible that on hurricane policies is a flat $500 or 2, 5 or 10 percent of dwelling coverage. Those are the hurricane deductible options Florida insurers must offer under Florida Statute 627.701. The homeowner must open a hurricane claim within 1 year of the loss under Florida Statute 627.70132, and the insurer has 60 days to pay or deny it under Florida Statute 627.70131. A separate hurricane deductible applies when a named storm caused the damage, a standard deductible covers hail or straight line wind, and a denied claim leaves the owner paying for a full replacement sized by roof area, pitch and material. The inspection is free, a covered claim costs only your deductible, and a full replacement after a denial runs $12,000 to $30,000, according to ICAS Storm Restoration's published price table, and its own crews do the inspection, paperwork and installation.
Florida homeowners insurance pays for a roof replacement when a covered event such as wind or hail causes the damage, and you pay only your deductible, which for hurricane claims typically runs 2% to 10% of your dwelling coverage. Under Florida law you have 1 year from the date of loss to file a new claim, and the insurer must pay or deny it within 60 days of receiving notice. Coverage is not automatic: wear, age, neglect and prior leaks are excluded, and many policies pay older roofs on an actual cash value basis that subtracts depreciation instead of full replacement cost. Photos taken within days of the storm, a documented inspection and a written scope of repairs are what move a claim from a partial repair payout to a full replacement approval. ICAS Storm Restoration's published price table lists a covered claim at your deductible and a full replacement after a denied claim at $12,000 to $30,000, with a free storm damage inspection before you file.
Local, licensed and insured, and proud to do the work ourselves. Tell us about your project and we will give you a clear written estimate at no cost.
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