Florida carriers have tightened claim review since 2024. The standard now is a written inspection from a licensed roofing contractor before the claim is filed — not an adjuster site visit alone.

What the carrier accepts

A carrier-acceptable inspection has four parts:

  1. Date and time of the inspection, with the inspector's license number.
  2. Photographs of every damaged area, the surrounding undamaged area, and the overall roof.
  3. A written narrative describing the damage type (wind, hail, debris impact, age-related wear) and its likely cause.
  4. A line-item estimate using current local market pricing.

Adjuster site visits alone routinely miss damage on the back slope or under flashing. The contractor inspection covers these because the contractor knows where to look.

What gets a claim denied

Three patterns dominate denied claims in 2026:

  • No pre-claim inspection. The adjuster's photographs missed the damage; the carrier denied; the homeowner has no independent record.
  • Wear-and-tear filing. Insurance covers storm damage, not age. A 26-year-old shingle roof at the end of its life is not a covered claim.
  • Late filing. Most Florida policies require notice within 60 days of the damage event.

What a Perkins inspection includes

We send a senior estimator, not a salesman. The estimator photographs every penetration, every flashing tie-in, every visible damage area, and the four cardinal corners of the roof. The written report includes the carrier-acceptable narrative and the line-item estimate.

For storm claims, the inspection is free. For wear-and-tear evaluations (where the carrier is unlikely to approve), we tell you that during the visit — not after taking a deposit.

Call +1-305-642-7663 or email hello@perkinsroofing.net.