Storm Damage Roofing

Clermont Roofing Inc. specializes in storm damage roofing services in Clermont, FL, and the surrounding areas. We provide rapid response and expert repairs to secure your home after severe weather events.

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Expert Storm Damage Roofing Service in Clermont, FL

Florida’s weather can be unpredictable and severe, making professional storm damage assessment and repair essential. Clermont Roofing Inc. is your trusted partner after a hurricane, tropical storm, or intense thunderstorm. Our experienced team will thoroughly inspect your roof for all signs of damage, from missing shingles to structural issues. We document everything meticulously to assist with your insurance claim process. Our storm damage services focus on making swift, effective repairs to prevent further water intrusion. We restore your roof’s integrity using high quality materials and expert craftsmanship. Led by the experienced father and son team of Patrick and Walker Scott, we have helped homeowners recover since 1990. We are committed to getting your life back to normal as quickly as possible. Trust us to handle your storm damage roofing needs with urgency and professionalism.

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Storm Damage Roofing

Storm damage to a roof can range from minor to catastrophic, and it requires immediate attention. High winds are a primary cause of damage in Florida, capable of lifting, creasing, or tearing off shingles completely. This leaves the underlying layers of your roof exposed to the elements. Flying debris, such as tree branches, can also cause significant impact damage, puncturing the roof or cracking tiles. After any severe weather event, it is crucial to have your roof inspected by a qualified professional. Some damage may not be visible from the ground, but it can still lead to serious leaks and structural problems if left unaddressed.

Hail is another significant threat to roofing systems, even if it seems small. Hailstones can create dents and bruises on asphalt shingles, cracking the matting and dislodging the protective granules. On metal roofs, hail can cause cosmetic denting, while on tile roofs, it can lead to cracks or shattering. This type of damage compromises the water shedding capability of the roof and can drastically shorten its lifespan. The effects of hail damage are often subtle at first but can result in widespread leaks over time. A professional inspection is necessary to identify the full extent of hail’s impact.

Our storm damage response at Clermont Roofing Inc. is designed to be fast and comprehensive. As soon as it is safe, our team will come to your property to perform an emergency assessment. We will identify all points of damage and determine the best course of action. In many cases, we can perform immediate temporary repairs, such as tarping, to prevent water from entering your home. This crucial first step protects your property from further damage while we prepare for a permanent repair or, if necessary, a full replacement. Our priority is to secure your home.

Navigating the insurance claims process for storm damage can be a confusing and stressful experience for homeowners. Clermont Roofing Inc. has extensive experience in this area and can provide invaluable assistance. We will conduct a thorough inspection and provide you with detailed documentation, including photos and a written report of our findings. This evidence is essential for filing a successful insurance claim. We use the same software that many insurance companies use to create our estimates, which helps streamline the process. Our expertise ensures that all damage is properly identified and accounted for.

We can also meet with your insurance company’s adjuster at your property. Our presence ensures that a trained roofing professional is there to point out all the damage, some of which an adjuster might otherwise overlook. We can advocate on your behalf to ensure that the scope of work approved by the insurance company is sufficient to restore your roof to its pre storm condition or better. This partnership helps to ensure a fair and accurate settlement, covering the full cost of the necessary repairs or replacement. We work for you, not the insurance company.

Once your claim is approved, our skilled roofing crew will get to work. Whether it is a targeted repair or a full roof replacement, we use only high quality materials and adhere to the strictest installation standards. We understand the urgency of storm recovery, and we work efficiently to complete the project in a timely manner. Our goal is to restore not just your roof, but also your sense of security. We ensure that your repaired or replaced roof is strong and ready to withstand future Florida weather.

With a legacy of service in the Clermont community since 1990, Patrick and Walker Scott have built a reputation for reliability and integrity. We understand the stress that homeowners face after a storm, and we are committed to providing compassionate and professional service. We treat your home with respect and care throughout the entire process. From the initial emergency call to the final cleanup and inspection, we are dedicated to your complete satisfaction. When a storm hits, you can count on Clermont Roofing Inc. to be there for you.

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FREE ESTIMATES

We provide free, no-obligation estimates with honest pricing and expert recommendations for your roofing or gutter project.

5 YEAR WARRANTY

All reroofing work is backed by our 5-year workmanship warranty for dependable, long-lasting protection.

nO DEPOSIT REQUIRED

We never ask for a deposit upfront—payment is due only when the job is complete and you’re satisfied.

What Our Customers Are Saying

See why homeowners and businesses in Clermont trust Clermont Roofing Inc. for reliable roofing services:

William V.
April 17, 2022

We hired Clemont roofing from Oviedo to reroof our house. Joe Buck was the salesman. We figured once the contract was signed, last we would see of him. Best contract we ever signed. Joe was here every single day. We had excellent communication from the office on when they would start. Joe was here every day to tell workers where to park, guide the delivery. The workers are amazing. Worked 12 hours a day 5 days straight to strip the old off. Install the new. At completion, they walked the yard with magnets and metal detectors for debris ( nails ). Can't say in writing how great this company treated us. If anyone has apprehensive thoughts, all I can say is we had 5 star service. Hire them !

Dana E
March 26, 2020

Excellent job on new roof. Very timely and courteous. We are impressed with their professionalism. Would highly recommend this company.

Adam B.
December 27, 2019

Excellent service from start to finish. I watched them do the neighbors home and was thoroughly impressed. They kept the area very clean and worked quickly and very professionally.

Dooney J.
August 19, 2019

Very happy with the roofing job they recently completed for us. They were on schedule and finished in two days. They kept the area very clean and I had no trouble. The office staff was very helpful and kept in touch with me throughout the process.

Will C.
June 12, 2019

Very happy with the roofing job they recently completed for us. They were on schedule and finished in two days. They kept the area very clean and I had no trouble. The office staff was very helpful and kept in touch with me throughout the process. I would highly recommend this company.

Cindy M.
June 3, 2019

Clermont roofing exceeded our expectations! They were professional and had our roof replaced in two days. We would use them again.

John K.
June 3, 2019

Our roof was done in a timely manner & quicker than what we had expected. The workers were polite & professional. We would absolutely recommend hiring them to anyone.

Mel M.
April 9, 2019

After receiving several estimates after the hurricane, this company was fairly priced and very helpful. I was not pressured into signing anything I wasn't comfortable with and they assisted me in getting my HOA approvals. I am confident I made the right choice.

Michelle H.
March 28, 2019

We couldn't be happier with our new roof replacement from Clermont Roofing! Everyone was very helpful and the clean up was great! Thank you Clermont Roofing for a job well done. We will definitely recommend you to anyone looking for a replacement roof!

Tori K.
March 25, 2019

Did a fantastic job. They were very helpful with getting some financing in place. They came and were done in two days.

Joan S.
March 24, 2019

After researching several roofing companies, I decided to go with Clermont Roofing. I am very happy that I did. Brad explained the contract and answered all my questions. The crew that worked on my house was amazing. Their work ethic, their neatness and attention to detail exceeded my expectations. I was especially pleased with the amount of time and effort they put forth while cleaning up throughout the day. I was also very impressed with the office staff. Renee was on top of each phase of the project from explaining to me what to expect, ordering of the materials, daily check in at the end of the day right through the permit sign off.

Lee M.
February 11, 2019

Excellent service and quality work!

John G
December 12, 2016

Randy did a great job repairing my roof. I was very happy with the price and the service. I highly recommend them.

Storm Damage Roofing To Increase Home Value

Addressing storm damage properly is crucial for maintaining your property’s value. A roof that has been expertly repaired or replaced after a storm shows prospective buyers that the home is structurally sound and well maintained. It eliminates concerns about hidden leaks or future problems related to the weather event. Working with a reputable contractor like Clermont Roofing Inc. to handle your storm restoration ensures the work is done to the highest standard. This protects your investment and can even be a positive selling point, demonstrating the roof’s proven resilience and recent professional attention.

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Most Common Storm Damage Roofing Questions

After a storm, homeowners are often left with urgent questions about their roof and the recovery process. Getting clear, accurate information is the first step toward restoring your property. Here are the answers to some of the most common questions we receive about storm damage roofing.

Your first priority immediately after a severe storm is to ensure the safety of yourself and your family. Check for any immediate dangers around your property, such as downed power lines, unstable tree limbs, or significant structural damage to your home. Do not go outside until you are certain the storm has completely passed and there is no longer a threat from lightning or high winds. Once it is safe to do so, perform a visual inspection of your property from the ground. Do not attempt to get on your roof yourself, as it could be slippery, unstable, or structurally compromised.

From the ground, walk around the perimeter of your home and look for any obvious signs of roof damage. Note any shingles that are missing, lifted, or clearly damaged. Look for pieces of roofing material or metal flashing that may have fallen into your yard. Check your gutters and downspouts for damage or for an excessive amount of shingle granules, which can indicate hail impact or severe aging accelerated by the storm. Also, inspect your home’s interior, particularly on the top floor and in the attic, for any new water stains or signs of active leaks.

The next and most important step is to call a reputable, local roofing contractor like Clermont Roofing Inc. to schedule a professional inspection. It is crucial to get a professional opinion, as much storm damage is not visible or obvious to the untrained eye. A professional roofer can safely get on your roof and identify subtle damage that could lead to major problems later. Taking photos of any damage you can see from the ground is also a good idea for your records and for a potential insurance claim.

Most homeowners insurance policies are designed to cover damage from specific types of storm events, but the details of the coverage can vary. Generally, damage caused by wind, hail, and falling objects like tree limbs is covered under a standard policy. If high winds from a hurricane or thunderstorm tear shingles from your roof, your policy should cover the cost of repairs or replacement, minus your deductible. Similarly, if hail dents or cracks your roofing material, that is typically a covered peril. It is important to review your specific policy to understand its limits and exclusions.

It is crucial to understand that insurance policies distinguish between damage from a specific event and damage from neglect or old age. If your roof was already in poor condition before the storm, the insurance company might argue that the storm only exposed pre existing issues. In such cases, they may reduce the claim amount or deny it altogether. This is why regular roof maintenance is so important. A well maintained roof is more likely to have its storm damage claim approved without issue.

Another key aspect of your policy is the deductible, which is the amount you must pay out of pocket before the insurance coverage begins. For storm damage, especially from named hurricanes, many Florida policies have a separate, higher “hurricane deductible,” which is often a percentage of your home’s insured value. At Clermont Roofing Inc., we can help you understand your policy and work with your insurance company to ensure all covered damages are included in your claim, maximizing your benefit and restoring your roof properly.

Identifying hail damage can be tricky, as it often does not cause obvious, large holes in the roof. On asphalt shingles, hail damage typically appears as small, round or irregular bruises or dents where the hailstones have impacted. These impacts knock off the protective granules, exposing the underlying asphalt mat. You may see dark spots on the shingles where the black asphalt is now visible. These bruised areas are weakened and can lead to cracks and leaks over time. You might also find an accumulation of black granules in your gutters and at the bottom of your downspouts.

On metal roofs, hail damage is usually more cosmetic, appearing as dents on the surface of the panels. While these dents may not always cause a leak, they can affect the roof’s appearance and may be covered by your insurance policy. On tile roofs, hail can be more destructive, causing chips, cracks, or even shattering the tiles completely. A cracked tile is a direct entry point for water and must be replaced. It is important to have a professional inspect a tile roof after a hailstorm, as cracks can be difficult to see from the ground.

In addition to the roofing material itself, hail can also damage other roof components. Check for dents on metal flashing, roof vents, and gutter systems. Because hail damage can be subtle and is often widespread across the entire roof, a professional inspection is essential. Our trained experts at Clermont Roofing Inc. know exactly what to look for. We will meticulously inspect every slope of your roof and document all evidence of hail impact to support your insurance claim and ensure a proper repair.

While getting multiple estimates is a standard practice for many home improvement projects, the process is different when dealing with an insurance claim for storm damage. In a storm damage scenario, the cost of the repair or replacement is not determined by the contractor, but rather by the insurance company. The insurance company uses standardized pricing software, like Xactimate, to calculate the fair market cost for the repairs in your specific area. Your financial responsibility is limited to your deductible, regardless of the total project cost.

Therefore, the most important factor is not finding the cheapest contractor, but finding the most qualified and reputable one. Your focus should be on selecting a contractor like Clermont Roofing Inc. who has extensive experience with storm damage and the insurance claims process. A knowledgeable contractor will ensure that the scope of work approved by your insurance company is accurate and complete. They will fight to make sure nothing is overlooked, ensuring you get enough money from the claim to restore your roof properly with quality materials and workmanship.

Choosing a contractor based on a low bid in an insurance situation can be a red flag. Some contractors may offer a low price by cutting corners, using inferior materials, or not carrying proper insurance themselves. When the repair cost is covered by insurance, there is no benefit to you in choosing a cheaper option. Instead, you should choose the best possible contractor to do the work. We will work directly from the insurance company’s pricing to perform all the necessary repairs, ensuring a high quality job and a smooth process for you.

An insurance deductible is the portion of an insurance claim that you, the homeowner, are responsible for paying out of pocket before your insurance company’s coverage begins. Think of it as your share of the cost of the repair. For example, if the total approved cost to replace your roof is $15,000 and your policy has a $1,000 deductible, you would pay the first $1,000, and your insurance company would pay the remaining $14,000. The deductible amount is set when you purchase your homeowners insurance policy.

In Florida, it is common for homeowners insurance policies to have two different types of deductibles. The first is a standard, or “All Other Perils,” deductible, which is a fixed dollar amount (e.g., $500, $1,000, $2,500). This deductible applies to claims for things like fire or theft. The second is a “Hurricane” or “Named Storm” deductible, which applies specifically to damage caused by a storm that has been officially named by the National Hurricane Center. This deductible is typically much higher and is calculated as a percentage of your home’s total insured value, often 2%, 5%, or even 10%.

It is illegal in the state of Florida for a roofing contractor to waive, pay, or rebate your insurance deductible. Any contractor who offers to cover your deductible is committing insurance fraud, which is a felony. You should avoid any company that makes such an offer, as it is a major red flag about their business practices. You are legally required to pay your deductible directly to the contractor. At Clermont Roofing Inc., we operate with full integrity and transparency, and we will provide you with a clear invoice for your deductible amount.

In the state of Florida, the laws regarding the timeline for filing a homeowners insurance claim for storm damage have specific regulations. Generally, homeowners have up to two years from the date of the storm or hurricane to file a claim for damage. This is known as the statute of limitations. This timeframe allows homeowners ample opportunity to discover hidden damage that may not have been immediately apparent right after the storm passed. For example, a slow leak from a hail bruised shingle might not show up as a ceiling stain for several months.

While you have a significant amount of time to file, it is always in your best interest to act as quickly as possible. The sooner you report the damage and file your claim, the sooner you can have your roof repaired and your home secured. Waiting too long can sometimes complicate the process. The insurance company might argue that subsequent weather events or a lack of mitigation contributed to the damage, potentially affecting your claim’s outcome. Promptly reporting the damage demonstrates that you are a responsible homeowner.

The first step is to call a trusted roofer like Clermont Roofing Inc. for a professional inspection right after the storm. We can identify the damage and advise you on whether a claim is warranted. If a claim is necessary, we can help you start the process with your insurance company. Acting quickly helps to create a clear link between the storm event and the damage to your roof. It also allows you to get ahead of the rush of claims that insurance companies receive after a major storm, which can sometimes speed up the processing time.

It is unfortunately not uncommon for an initial insurance claim for storm damage to be denied or for the settlement offer to be too low to cover the full cost of proper repairs. If this happens to you, do not assume that the insurance company’s decision is final. You have the right to appeal the decision and fight for the fair settlement you are entitled to. The first step is to understand the specific reason for the denial or low offer, which the insurance company is required to provide you in writing.

This is where partnering with an experienced storm damage contractor like Clermont Roofing Inc. is incredibly valuable. If your claim is underpaid, we can review the adjuster’s estimate line by line and compare it to our own professional assessment. We can identify any missing items, incorrect measurements, or undervalued costs and submit a supplement to the insurance company with detailed evidence to justify the need for additional funds. We will advocate on your behalf to ensure the scope of work is complete and accurate.

If your claim is denied, we can help you review the reason and determine the best path forward. It may be that the initial adjuster missed key evidence of storm damage. We can provide a more detailed report and request a second inspection with a different adjuster. In some cases, you may need to invoke the appraisal clause in your policy or even consult with a public adjuster or an attorney who specializes in insurance claims. We will provide you with the professional documentation and support you need throughout this process.

This is one of the most common concerns homeowners have, and it often prevents them from filing a legitimate claim. However, in most states, including Florida, it is illegal for an insurance company to raise your individual premium or cancel your policy as a direct result of filing a single claim for damage from a natural disaster or an “act of God.” Storms are considered catastrophic events that affect a wide area, and you are not considered at fault for the damage. Filing a claim for storm damage does not reflect on you as a high risk homeowner.

That being said, insurance companies do adjust their rates based on the overall risk in a specific geographic area. If a region, like Central Florida, experiences a significant increase in the frequency or severity of storms over several years, the insurance company may raise the rates for everyone in that area to cover their increased costs. This rate adjustment would happen regardless of whether you personally filed a claim or not. Your individual claim for a storm event will not be the trigger for a rate hike.

Therefore, you should not let the fear of a rate increase prevent you from using the insurance policy you have been paying for. The purpose of homeowners insurance is to protect you from the financial burden of catastrophic events like a major storm. Failing to file a claim and paying for significant repairs out of pocket defeats the purpose of having insurance. At Clermont Roofing Inc., we can help you understand your rights and make an informed decision about filing your claim.

Work With The Top Storm Damage Roofer Near You

When a storm damages your roof, you need a fast, reliable, and experienced team on your side. Trust Clermont Roofing Inc. to manage your repairs and insurance claim with expertise. Contact us today for an immediate inspection and a free estimate.

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