Roof Damage Claims

Your Carrier Sent a 20-Minute Adjuster. We Bring a Full Inspection.

Insurance companies dispute roof claims by attributing damage to age, calling it wear and tear, or sending adjusters who spend minutes on a roof that takes hours to properly evaluate. We document what the storm actually did and fight for a settlement based on the real scope of damage.

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Storm damaged roof in Florida

What a Full Roof Inspection Covers

Your roof is four systems stacked together. Carriers scope the top layer and stop. We scope the system.

LAYER 01
Shingles & Tiles
Wind uplift, hail impact, granular loss, creasing, and shingle mat damage visible from ground level.
LAYER 02
Underlayment
Tears, displacement, and failure that compromise the secondary water barrier — routinely missed in visual inspections.
LAYER 03
Decking & Substrate
Rotted or delaminated sheathing from slow leaks. Often the hidden driver of interior damage months later.
LAYER 04
Flashing & Penetrations
Valley flashing, boot seals, chimney & skylight flashing. Small failures, large interior water damage consequences.
Real Example
Wind lifts shingles on a ten-year-old roof. The carrier pays based on the roof’s age, not its replacement cost — and holds the rest until repairs are done. We make sure you get that second check.

How You Actually Get Paid

Most Florida roof claims pay ACV upfront and release recoverable depreciation only after repairs. Knowing how to recover that second check is where most homeowners lose money.

Standard Carrier Approach

ACV Only
  • Depreciated value paid upfront
  • Repairs must be documented
  • Recoverable depreciation held
  • Burden on homeowner to pursue

HP Adjustments Approach

Full RCV Recovery
  • Xactimate scope including decking & underlayment
  • Florida matching rule applied where possible
  • Recoverable depreciation pursued through invoice
  • Ordinance & Law code upgrades documented

More Claims We Handle

Water Damage

Pipe leaks, burst pipes, slab leaks, appliance failures, and storm water intrusion.

Learn more →Hurricane & Storm Damage

Wind damage, missing shingles, roof impact, and water intrusion after storms.

Learn more →Fire & Smoke Damage

Structural fire, smoke infiltration, soot contamination, and hidden damage.

Learn more →Mold & Secondary Damage

Mold from water loss, delayed damage, and secondary structural issues.

Learn more →

Ready to Get Your Claim Reviewed?

Contact us today for a free consultation. We evaluate your property damage and help you get what you are entitled to from your insurance company.

(386) 243-9530

Serving Daytona Beach, Volusia County & Central Florida

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HP Adjustments

Licensed Florida Public Adjusters serving Daytona Beach, Volusia County, and Central Florida. We fight for policyholders, not insurance companies.

Services

Water Damage Hurricane & Storm Fire & Smoke Roof Damage Mold Claims

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Contact

(386) 243-9530 heather@hpadjustments.com

Daytona Beach, FL

Heather Pacheco, FL Lic. #W604295 | NC Lic. #19316345
HP Adjustments, LLC, Firm Lic. #G259997

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