Florida 25 Percent Rule!

Have you suffered a loss or roof damage from Wind Damage? Hail Damage? Tornado Damage? Falling Object Damage? Hurricane Damage?

What is the Florida 25 Percent Rule? First, you should consider if the roof is repairable, manufactured still, or can be matched with like-kind or quality.

There are labs that you can send roofing samples for a cost to determine if the roof is manufactured anymore or if the roof can be matched.

You can also have an adjuster or expert perform a brittle test on the roof to determine it repairability.

Both of these are important to consider! Why? If the roof is not able to be repaired, if it’s not manufactured anymore, or it can’t be matched with like-kind or quality then you do not need to establish that 25% or more is damaged. You only have to prove that the roof was damaged one of the covered perils in your policy. (Wind Damage, Tornado Damage, Hail Damage, Hurricane Damage, Falling Object Damage)

2017 Florida Building Code 706.1.1

706.1.1

Not more than 25 percent of the total roof area or roof section of any existing building or structure shall be repaired, replaced or recovered in any 12-month period unless the entire existing roofing system or roof section is replaced to conform to requirements of this code.

What type of roofing systems does the rule apply to?

Asphalt Roof / Composition Roof
Metal Standing Seam Roof
Concrete Tile Roof
Metal Roof / Aluminum Shake Roof
Wood Shake Roof
Concrete Roof or Clay Tile Roof
Barrel Tile Roof
Vinyl Membrane Roof
Rolled Roof
Flat Roof

2017 Florida Building Code 706.1.1

706.1.1

Many homeowners will be approached roofing contractors after a storm. BEWARE! They only care about getting you a new roof and they are not legally allowed to negotiate the effective settlement of a claim. They are only supposed to be discussing the scope or the actual damages with your insurance company. What most of them will do is make you sign an Assignment of Benefits contract that takes yours right away to the benefits in your policy. It could take all financial rights away. They could have you sign a Full Assignment of Benefits when they only want to repair your roof but there is water damage in your home. They will leave this contract in place and could leave you with a large financial burden that will not be repaired or covered your insurance company. They also doing this assign that the checks get paid directly to them making it impossible to hire a Public Adjuster or in some cases an Attorney to represent you if you have been treated unfairly the roofing company and or your insurance company.

Industry Warning: Contractors-3rd Degree Felony For Attempting To Adjust a Claim!

Contractors

Read The Florida Statutes clicking this link: at www.myfloridacfo.com:

This page reads,

“If you are acting as a public adjuster in any manner negotiating or effecting the settlement of an insurance claim on behalf of an insured and you are performing any of these services for money, commission or anything of value without being licensed as a public adjuster (Section 626.854, Florida Statutes), you could be subject to arrest and may be charged with a third-degree felony as provided Section 626.8738, Florida Statutes.”

What is a Public Adjuster? Why should I hire a Public Adjuster?

A public adjuster is a professional claims handler who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the settlement. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the policy of insurance to determine coverage, and negotiate with the insurance company’s claims handler.

A public adjuster is a representative of the policyholder who advises, manages, and submits an insurance claim to the policyholder’s insurance company.

Why hire one of our Experienced Public Adjusters?

Mission Statement

“Experienced Public Adjusters” goal is to offer insurance adjusting services with the highest levels of customer service and satisfaction with ethics and integrity. We provide homeowners and business owners the ability to maximize and reach a fair settlement. We accomplish this hiring quality experienced adjusters, providing high levels of training, and employing courteous and professional employees.”

Vision Statement

We created Experienced Public Adjusters with ethics and integrity to reform the insurance claims industry that had a drastic need to set higher levels of customer service for their clients. Experienced Public Adjusters has a strong desire to win, and the experience to maximize every client’s insurance claim so that they can set a new standard in customer satisfaction throughout the United States.

Please call an Experienced Public Adjuster for a Free Claim Review!

Experienced Public Adjusters will also send out an adjuster to provide a free roof inspection and home inspection before you open a claim.

We specialize in helping homeowners and business owners win successful outcomes when they suffer property damage losses. So if you have a new claim, underpaid claim, or denied claim call Experienced Public Adjusters Today! (407) 212-8669