On a covered roof insurance claim in Florida, your out of pocket cost is usually just your deductible. ICAS Storm Restoration documents the damage, provides an itemized estimate, can be on the roof during your adjuster's inspection, and completes the approved work with our own licensed and insured crews.
Pick your area for local roof insurance claims costs and a free estimate.
Apopka sits in the busiest hail area ICAS covers: NOAA logged 35 hail reports within 15 miles from 2020 through 2024, including three inch stones in nearby Sanford on May 21, 2020. The median home was built around 2001 and 80 percent are owner occupied, per the Census Bureau. 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 saw 12 tornado events within 15 miles from 2020 through 2024 in NOAA records, including a waterspout that came ashore near Clearwater Beach in October 2023, and 28 percent of its housing units are in buildings of 20 or more units. 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 sits in an active storm pocket: NOAA logged 32 hail reports and six tornadoes within 15 miles from 2020 through 2024, including golf ball size hail in Deltona itself on August 9, 2020. The Census Bureau puts the median home at 1988. 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 is one of the more rental heavy markets ICAS serves, with 48 percent of occupied homes owner occupied per the Census Bureau, so the person ordering a roof is often a landlord or a property manager. NOAA logged 19 hail and 19 damaging wind reports within 15 miles from 2020 through 2024. 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.
Lakeland roofs face wind more than hail: NOAA logged nine damaging wind reports, four tornadoes and only two hail reports within 15 miles from 2020 through 2024. The Census Bureau puts the median home at 1981, so much of the housing is likely on a second or later roof. Per American Community Survey data the median home in Lakeland was built around 1981, which makes the typical house about 45 years old. Call (321) 486-8948 or book a free estimate for Lakeland pricing.
Largo has the most seasonal housing ICAS serves, 11 percent of units per the Census Bureau, and a 1978 median year built. NOAA logged 24 damaging wind reports and 12 tornado events within 15 miles from 2020 through 2024, including a May 14, 2024 storm that damaged 15 manufactured homes near Largo. Per American Community Survey data the median home in Largo was built around 1978, which makes the typical house about 48 years old. Call (321) 486-8948 or book a free estimate for Largo pricing.
Melbourne's storm record spiked in 2023, the year 20 of the 29 hail, wind and tornado reports NOAA logged within 15 miles from 2020 through 2024 occurred. The median home dates to about 1984 per the Census Bureau. The typical Melbourne home dates to around 1984 per Census data, roughly 42 years of Florida weather and daily use. Call (321) 486-8948 or book a free estimate for Melbourne pricing.
Palm Bay homes are mostly owner occupied, 79 percent per the Census Bureau, with a 1992 median year built. NOAA logged 14 hail reports within 15 miles from 2020 through 2024, and 18 of the 27 storm reports in that window came in 2023. The typical Palm Bay home dates to around 1992 per Census data, roughly 34 years of Florida weather and daily use. Call (321) 486-8948 or book a free estimate for Palm Bay pricing.
St. Cloud, home ground for ICAS, has the newest housing on this site, a 2002 median year built, and NOAA logged 12 hail reports within 15 miles from 2020 through 2024, including golf ball size hail in June 2024. 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.
St. Petersburg has the oldest housing ICAS serves, a 1969 median year built per the Census Bureau, and NOAA logged 27 damaging wind reports and six tornadoes within 15 miles from 2020 through 2024. Per American Community Survey data the median home in St. Petersburg was built around 1969, which makes the typical house about 57 years old. Call (321) 486-8948 or book a free estimate for St. Petersburg 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. You file the claim and the insurer assigns an adjuster, our expert can be on the roof during the inspection to show the damage we documented, the insurer issues proceeds, then we complete the roof and send a certificate of completion. You are responsible for your deductible.
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.
We can be there. A ICAS Storm Restoration roofing expert can attend the adjuster's inspection on the roof to show the documented damage and answer questions about the roof itself. Coverage and the claim amount are settled between you and your insurer.
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 and you file the claim yourself. Florida Statute 489.147 bars a contractor from adjusting a claim or advising you on coverage unless it holds a public adjuster license, and from waiving or rebating your deductible. ICAS Storm Restoration documents genuine storm damage and completes the approved work. We do not invent damage or inflate claims.
It varies with the insurer and the storm season workload, from a couple of weeks to longer after a major event. ICAS Storm Restoration makes itself available for the adjuster's inspection and schedules the roof as soon as the work 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. You file the claim with your insurer, and we complete the approved roof with our own crews, backed by a workmanship warranty.
Start with a free inspection. ICAS Storm Restoration documents any storm damage we find and gives you photos and an itemized estimate. If you decide to file, you report the claim to your insurer, and we complete the approved roof work 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, attend the adjuster's inspection and do 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 shows the homeowner's own policy deductible as the out of pocket cost on an approved claim, 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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