Roof Leak Damage

Roof Leak Damage Attorneys in Florida

Roof leaks can turn into expensive claims in Florida, and it’s not always easy to get the insurance company to honor roof leak damage claims. Your home’s roof is an expensive component to repair or replace. Roof repair and reroofing can often result in bills in the tens of thousands of dollar range.

The ancillary damages that can spawn from roof leaks, such as mold growth, electrical damage, damage to your home’s interior, pest and vermin infestations and even structural damage, can approach or even exceed the cost of repairing or replacing a roof due to roof leaks.

Even a minor roof leak can lead to extensive damages that may include:

  • Ceiling or drywall staining and cracking paint
  • Swelling or rotting of ceiling material, walls, support structures, baseboards and even flooring
  • Personal property damage, including ruined clothes, furniture, electronics and art
  • Potentially dangerous mold and mildew growth

The insurance company has a lot of monetary incentive to deny your claim, undervalue it or drag it out and avoid paying you.

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Does Your Homeowners Policy Cover Your Roof Leak

What can often complicate a roof leak claim are the are excluded perils listed in your policy. For most homeowners, your policy should cover roof leaks caused by:

  • Wind, including hurricane and tropical storm winds
  • Hail
  • Falling branches
  • Vandalism or human-caused roof damages due to mischief

Some of the excluded perils that the insurance company may try to use to deny your roof leak claim include:

  • Damage caused by vermin, birds or insect infestations
  • Mold or fungus infestations
  • Natural home expansion and shrinking/settling
  • Maintenance neglect by the homeowner

There’s some grey area when it comes to the exclusions and interpreting the cause of roof leaks. Improper categorizations happen all the time.

If you believe your roof leak should be covered and the insurance company is trying to tell you that the source of your roof damage is an excluded damage type, you may benefit from speaking with a property damage attorney.

Does It Make Sense to File a Claim?

It doesn’t hurt to do a few things before you begin the claim process, because filing a roof leak claim may not always be in your best interest.

1.
Take pictures of the damage and do your best to cover the leak, such as with a tarp, and take any necessary steps to minimize the spread of the leak or water damage in your home’s interior
2.
Review your homeowners policy to familiarize yourself with covered perils and excluded damage types
3.
Find out what your deductible is for the type of damage your home suffered the insurance company to report the damage and start the claims process
4.
Review past claims, if you have any
5.
Find out how a new claim may affect your premiums or your coverage eligibility

Your claim could be subject to one of several potential deductibles. Some policies have a separate deductible for roof leaks related to hail or wind damage. Many policyholders in Florida also have a “named storm” deductible based on their home’s valuation. The named storm deductible only applies if the damage is caused by a named hurricane or tropical storm. If your home is worth $500,000 and you have a two percent named storm deductible, then you’d need to pay $10,000 out of pocket before your coverage would kick in.

Also keep in mind that filing a claim has the potential to raise your premium. Filing two claims within a handful of years of each other could even result in a 20 percent or more increase to your premiums.

What Our Clients Are Saying

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.

MONA G.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:01+00:00

MONA G.

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.
Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.

KIMBERLY D.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:39+00:00

KIMBERLY D.

Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.
Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.

ARNALDO SOSA

Hurricane Damage Reviews
5.0
2019-08-22T17:54:49+00:00

ARNALDO SOSA

Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.
It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.

WILLIAM SMITH

Hurricane Damage Reviews
5.0
2019-08-22T15:37:15+00:00

WILLIAM SMITH

It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.
We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.

DESIREE SCHMITZ

Hurricane Damage Reviews
5.0
2019-08-22T15:39:25+00:00

DESIREE SCHMITZ

We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.
We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!

ANDRES C.

Hurricane Damage Reviews
5.0
2019-07-11T07:16:35+00:00

ANDRES C.

We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!
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Kanner & Pintaluga provide hurricane damage representation throughout Florida, including:

Boca Raton
Daytona
Delray Beach
Ft. Lauderdale
Ft. Myers
Gainesville
Hollywood
Jacksonville
Melbourne
Miami
Naples
Orlando
Tampa
Tallahassee
Panama City
Miramar Beach
Blountstown
Quincy
Fort Walton Beach
Pensacola