Tile Roof Claims
Being a home or business owner in the Florida Keys can be very rewarding, however as all Floridians know, hurricane season can be quite stressful. Strong winds and heavy rain can cause damages to your tile roof. Aside from the obvious visible roofing damages, many times damages to tile roofs can go unnoticed until you see water leaks during the next rainfall. Cracked, displace or otherwise compromised tiles could lead to further property damages if not repaired in a timely manner. When roofing damages occur, home and business owners turn to their insurance companies to file tile roof claims. After the tile roof claims are filed, it can become stressful to find that the insurance company is delaying, denying or trying to underpay your claims. Do not let your insurance company take advantage of you. Do not let your insurance company tell you to replace a few broken or loose tiles and everything will be fine. Partially repaired roofs generally have no warranty. Your insurance company may be required to replace your entire tile roof with a new tile roof and to restore your property to its pre-loss condition. Do not accept a partially repaired roof. Let me review your roof damage claim to make sure your insurance company is paying you for what you are legally entitled to. Fighting your insurance company is our business and The Freeman Law Firm, P.A. is here to represent you and help you receive what you may be legally entitled to.
Filing a Tile Roof Insurance Claim
Often tile roofs should be completely replaced even if just a few tiles are damaged or chipped. Generally, matching tiles are no longer available, discontinued meaning they are no longer manufactured. Learn more about tile roofing below.
Matching Tile: If your roof tile is no longer manufactured, in profile or color, when making repairs, it will be impossible to match the current roof tiles. If this occurs entire sections of the roof will need to be replaced. If more than 25% of the roof needs to be replaced, Florida Building Code requires the roofing expert to re-nail the decking and verify roof to wall attachment. This would cause the need for a full roof replacement.
Uplifting : Nails or screws that were used to hold down tiles or shingles are forced up with the pulling action of wind, causing a direct path for water to travel through the roof and into your home or commercial building. Uplift is cause for concern as it may cause a tile to stay uplifted and allow water under the tile system, which would lead to leaks.
Broken or Missing Tiles: Strong wind gusts, usually over 110mph cause tiles, shingles and/or metal roofing material to lift, break or become damaged or compromise the integrity of a tile roof system. Often the roof’s underlayment is damaged during a tropical storm or hurricane which is not noticeable from a visual inspection and requires uplift testing.
Lifting: In some cases, entire sections of shingles, tiles or metal roof are lifted from the roof deck, pulling out the fasteners and leaving nail holes exposed for a leak to occur.