There comes a time in every home, no matter where it is, when the roof either needs to replaced or repaired. This may be due to either crazy weather, or even just age. Regardless, of the cause, it is important to understand the time you should repair a roof versus replacing it. At Mutual Claims Services, we are here to clear up the air when it comes to roof damage, and get you on your way to a property damage claim. We are one to trust, Miami.


We Handle It All

Damage to a commercial property can result in severe income losses. A commercial property damaged by fire, water, flood, hurricane, tornado, vandalism, and even mechanical or electrical breakdown adversely impacts business and the people associated with it. Insured properties have the right to make a claim and be duly compensated for the damages and business interruption. Filing for a commercial insurance claim needs to be done without any delays – businesses obviously cannot afford loss of earnings for long.

​Filing for insurance claims can be a very complex and daunting task, especially in times when commercial property owners are already disturbed by the losses to their properties. Mutual Claims Services will work to make the claims process a simple and stress-free experience. Our team of professionals, offer full-fledged support in terms of loss analysis, estimating, negotiating and documentation for insurance and liaising with an insurance company to procure the best possible settlement outcome for all of the damages caused to the commercial property.


Get a Property Damage Claim For Roof Damage

As property owners with insurance claims resulting from Hurricanes start to receive settlement offers from their insurance company, our public insurance adjusters continue to field calls and questions from people still struggling through the insurance claims process. One question that frequently comes up involves how much roof damage there must be for the entire roof to be replaced.


Florida building code basically says that if you have 25% or more of your roof damaged within a 12 month period, then the entire roof must be replaced. Most residential policies have what is called “Law and Ordinance ” coverage to pay for the increased cost of code upgrades. If your roof incurred enough storm damage and you also have Law and Ordinance coverage, you should be able to collect for the total replacement of your roof under this coverage as long as you actually do the work. Law and Ordinance coverage requires you to incur the cost of the repair and then submit the costs with documentation to your insurance company for reimbursement.


Another roof related issue that we see is when damaged roof tiles and shingles are not able to be matched where only a section of the roof was damaged. Matching coverage disputes with insurance companies and their adjusters tend to be very controversial as most adjusters will likely insist that they do not have an obligation to replace the undamaged property. This is not always the case, and most “replacement cost” provisions within a policy should provide for full replacement of the undamaged property. Anyone dealing with an insurance adjuster, who is arguing they will not pay, may want to hire a licensed public adjuster or an attorney to fight on their behalf.


Call Us Today For More Information

When it comes to roof damage in your home, we know exactly how to help, especially when it comes to determining the difference between repairing and replacing. We are professionals in a property damage claim. Miami depends on Mutual Claims Services. Call or visit us today for more information.