Coastline gives Florida homeowners the photo-documented roof report, written scope of work, and adjuster meeting attendance you need to support a complete, accurate insurance claim. We are a licensed Florida roofing contractor, not a public adjuster. You file your own claim with your carrier. We make sure the documentation in your file is thorough enough that a fair settlement is the path of least resistance. Call us before you file. We can help.
Florida changed the rules in 2022. Under Senate Bill 2A signed in December of that year, the deadline to file a property insurance claim for hurricane or windstorm damage is now one year from the date of loss (FL Statute 627.70132). That replaced the older two-year window. For a supplemental or reopened claim, the deadline is 18 months. Miss those dates and the carrier can deny on procedural grounds alone, regardless of the damage on your roof.
The second shift was the AOB reform. Under Senate Bill 2D in May 2022 and tightened further by SB 2A, roofing contractors can no longer take Assignment of Benefits contracts that let them stand in for the homeowner with the insurance carrier (FL Statute 627.7152). The result: the homeowner is now the one talking to the carrier, signing the paperwork, and pushing the claim through. The contractor's job is to provide the documentation that supports it.
The third shift is on the carrier's side. Adjusters in 2025 and 2026 are trained to deny or underpay claims that arrive thinly documented. A claim filed with a couple of cell-phone photos and a vague description gets a much smaller settlement than the same damage filed with timestamped drone imagery, slope-by-slope photos, and a written scope in adjuster-friendly format.
That is where Coastline fits. We do the inspection, the drone photos, the written scope, and we will be on the roof when the adjuster comes out. You handle your claim with your carrier. We give you the file that makes a fair settlement the easiest answer for them. If you need someone to advocate to the carrier on your behalf, that is a licensed Florida public adjuster's job, not a roofer's, and we will tell you when that call makes sense.
Everything below is included on inspections tied to an active or pending insurance claim. No charge.
Florida licenses roofers, public adjusters, and attorneys separately for a reason. We stay strictly inside the roofing contractor lane so your claim does not get complicated by a contractor stepping past what state law allows.
The single highest-value moment to call. We document the roof while the damage is fresh, before debris is cleared, and before any cosmetic question about origin comes up. Photos taken in the first 72 hours carry more weight than photos taken a month later.
Call us with the appointment time and we work to be there. Walking the roof with the adjuster, pointing to the documented damage on our photo report, and answering technical questions in person is the most common reason claims settle close to scope.
If your adjuster's estimate covers patching but ignores the Florida Building Code 25% rule on roof repairs, the homeowner is left with a code-noncompliant roof. We document the affected area so this gets reflected in the scope.
We can re-inspect and document damage that the field adjuster missed or undervalued, then hand the photo evidence to you or your public adjuster. We do not negotiate the claim. We give you a second photo-based opinion in writing.
A plainspoken walkthrough of the timeline a Florida roof claim follows. None of this is legal advice. It is the rhythm we see on Manatee County claims week after week.
Phone photos of the yard, gutters, soffits, and any visible roof damage from ground level. Note the date and time of the storm. Save weather reports for the area. Keep receipts for any emergency mitigation work. See our first-24-hours guide for the full checklist.
File initial notice with your insurer and get a claim number. Schedule a free Coastline drone inspection in parallel. Get an emergency tarp on any active leak; most policies cover reasonable mitigation costs to prevent further damage.
The carrier's field adjuster comes to the property. This is the most important visit in the entire claim. We aim to be on the roof with them. We bring the photo report. We walk the damage in person.
You receive a written estimate, a denial, or a partial offer. Read the estimate line by line against the Coastline scope. Common gaps: missing code-upgrade line items, low material grades, missing flashing or underlayment, no allowance for the 25% rule.
For hurricane or windstorm claims, the initial claim has to be filed within one year of the date of loss (FL Statute 627.70132). Supplemental or reopened claims have an 18-month window. After those dates the carrier can deny on procedure alone.
A licensed Florida public adjuster (FL Statute 626.854) can negotiate with the carrier on your behalf for a percentage. A property-claims attorney is the right call if the dispute is heading toward formal action. We can hand our documentation to whichever one you hire.
If you have an active or pending insurance claim, the inspection, drone photos, written report, and adjuster meeting attendance are free. No trip fee, no diagnostic fee, no obligation to hire Coastline for the repair work. We earn the job by being honest, not by charging you for the documentation. We serve Bradenton, Palmetto, Lakewood Ranch, Sarasota, Parrish, Ellenton, and the rest of Manatee, South Pinellas, and South Hillsborough counties.
Call (941) 896-7793I chose Coastline mainly due to the excellent customer service and the fact that it is a local company. Other estimates came in lower but they were at least 4 months out. Coastline made my house and my insurance deadline a priority.TL O.Storm damage repair, Florida Gulf Coast
Josh and his crew knocked it out of the park. After a year of back-and-forth with insurance, Josh got the roof covered. We paid the difference for a standing seam metal roof. That's the only way to go.Jason J.Insurance roof replacement, Florida Gulf Coast
Loved how Josh used his drone to identify cracked and slipped roof tiles and sent us the photos. Photos also taken of completed work.Felicity K.Drone roof inspection, Florida Gulf Coast
No. Filing the claim is the homeowner's role under Florida's current rules. Only a licensed Florida public adjuster can legally negotiate or advocate on your behalf with the carrier (FL Statute 626.854). As a licensed roofing contractor, Coastline provides the photo documentation, the written scope, and the on-site adjuster meeting that supports your claim. If you want a third party to handle the claim itself, that is a public adjuster's job, and we are happy to refer you to one we have worked with.
One year from the date of loss for the initial claim on hurricane or windstorm damage (FL Statute 627.70132). Supplemental or reopened claims have an 18-month window. Those deadlines were tightened by Senate Bill 2A in December 2022. Older guidance about two-year or three-year windows is out of date. If you are close to either deadline, the priority is getting written notice to your carrier first, then we document.
No. The adjuster represents the carrier, not the homeowner, and they will write their own scope and estimate. What a complete photo-documented Coastline scope does is make the claim much harder to underpay or deny on documentation grounds. Adjusters work from what they can see and what is on paper. When the photos, line items, and quantities are already there in adjuster-friendly format, the path of least resistance for them is paying close to scope.
No, and we recommend you do not sign one with any contractor. Florida's 2022 reforms under SB 2D and SB 2A heavily restricted AOB use between contractors and insurance carriers (FL Statute 627.7152). The legal landscape has changed. The homeowner staying on the claim, with strong documentation behind them and a public adjuster if needed, is the cleaner path now. We do not operate on AOBs.
That is the point where a Florida public adjuster or a property-claims attorney is the right next call. A public adjuster (FL Statute 626.854) can negotiate the claim for a percentage. An attorney is the right call if the matter is heading toward dispute or litigation. Coastline can re-inspect and produce a second photo-documented opinion that either professional can attach to their file. We will tell you plainly when we think you have a strong case for that escalation.
The wind mitigation form is not part of a claim itself. It is a separate filing that documents the storm-hardening features of your roof so your carrier can apply hurricane and windstorm premium discounts. The form is the standard OIR-B1-1802. After a replacement, getting the new wind mitigation done can lower your premium meaningfully. See our wind mitigation guide for a plain-English walkthrough of what each line means.
Florida Building Code Section 706.1.1 requires that if roof repairs or recovering touch more than 25% of the total roof area within any 12-month period, the entire roof system has to be brought to current code (FBC 706.1.1). Many adjuster estimates do not account for this. The result is a homeowner left with a noncompliant roof and an unbuildable scope. Read our full explainer. Many policies also include Law and Ordinance coverage (FL Statute 627.7011) that is designed to cover these code-upgrade costs.
Yes. Bradenton, Palmetto, Parrish, Ellenton, Lakewood Ranch, Sarasota, Anna Maria Island, Longboat Key, and the rest of Manatee County are our primary service area, and we cover South Pinellas and South Hillsborough as well. If you are unsure whether your address is in range, call (941) 896-7793 and we will confirm in under a minute.
Do not minimize the damage upfront ("it's probably not that bad") or speculate about causes you are not certain of. Do not agree to any settlement amount on the spot without first comparing it line by line against a licensed contractor's written scope. Do not sign an Assignment of Benefits (AOB) contract with any contractor who asks to deal with the insurer on your behalf; Florida's 2022 reforms restricted AOB use and it can complicate your claim (FL Statute 627.7152). And do not let the one-year filing deadline slip. Under FL Statute 627.70132, the initial claim for hurricane or windstorm damage must be filed within one year of the loss date; missing it gives the carrier grounds to deny on procedure alone. Call us before the adjuster arrives and we will walk the roof with you.
There is no single hard age cutoff written into Florida law, but Florida SB 2-D (2022) restricts insurers from refusing to write or renew coverage solely on roof age if the roof has at least 5 years of remaining useful life. Once a roof reaches approximately 15 years old, most Florida carriers require an inspection before renewing. If that inspection shows less than 5 years of expected life remaining, the carrier can require replacement as a condition of continued coverage. Some policies also shift from replacement cost value (RCV) to actual cash value (ACV) as the roof ages, which increases the homeowner's out-of-pocket share at claim time. If your roof is approaching 15 years, call us for a free inspection report that documents current condition and remaining life for your insurer.
Florida Building Code Section 706.1.1 requires that if repairs or recovering touch more than 25% of the total roof area within any 12-month period, the entire roof system must be brought to current building code. What starts as a partial insurance-covered repair can legally trigger a full code-compliant replacement once that threshold is crossed. Many adjuster estimates leave out the code-upgrade line items entirely. We document the affected area on every claim inspection so the carrier's scope reflects the correct scope of work. Most Florida homeowner policies include Law and Ordinance coverage (FL Statute 627.7011) specifically designed to cover these costs. See the full 25% rule explainer on our replacement page.
Free drone inspection. Written scope in adjuster-friendly format. We meet the adjuster on the roof with you.
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