Roof Damage Public Adjuster in Cape Coral
Roof claims are some of the hardest to get paid fairly. We get on the roof, document what the storm or the leak did and handle the claim for you.
- Free inspectionNo cost, no obligation.
- Licensed in FloridaFirm License# W807579.
- No recovery, no feeWe get paid only when you get paid.
- English & EspañolHablamos español.
Get Help in 3 Easy Steps!
Roof problems we see in Cape Coral
Concrete tile is everywhere in Cape Coral, with shingle and metal roofs on many older and newer homes. Tile can crack or slip without looking bad from the ground, and the underlayment beneath it is what actually keeps the water out.
We inspect the roof covering, the underlayment where we can see it, the attic and the ceilings below. Then we put together a claim that shows the damage and its cause. The general rules are on our roof leak claims page.
If the roof is leaking, a tarp or temporary patch is a reasonable step to protect the home. Photograph the damage first and keep the receipt.
First steps with a roof leak
- Put buckets down and move belongings away from the leak.
- Photograph the ceiling, attic and any visible roof damage from the ground.
- Have a roofer tarp the damaged area, and keep the invoice and photos.
- Report the claim, then call 888-888-8591 for a free roof inspection.
Free claim review In-person appointments 10 AM–7 PM, seven days a week
Roof damage we document
Most Cape Coral roof claims we handle involve one or more of these.
Cracked or slipped tile
Broken, displaced or missing concrete and clay tiles, often along ridges and edges.
Wind-lifted shingles and panels
Creased, torn or missing shingles and loosened metal panels after high winds.
Underlayment and flashing
Damaged underlayment, lifted flashing and failed boots around vents and pipes.
Interior ceiling damage
Stains, sagging drywall, wet insulation and damaged light fixtures below the leak.
Impact damage
Branches and debris that hit the roof during a storm.
Moisture in the attic
Wet decking and insulation that can lead to mold if left alone.
Roof claim denied for wear and tear?
These are the most common reasons we see Cape Coral roof claims denied or underpaid.
"Age and wear"
Insurers often blame old age. We document storm-related damage, like fresh breaks and lifted edges, separately from normal aging.
Repair instead of replace
Offers to replace a few tiles when matching tile is no longer available or the roof cannot be repaired properly.
Interior only
Paying for the ceiling stain but not the roof damage that caused it.
Roof coverage limits
Some policies pay roofs at actual cash value or have roof-specific terms. We check what yours says.
How we document a roof claim
Evidence from the roof down, in the format insurers expect.
Roof inspection
Photos and measurements of the roof covering, slopes, edges and penetrations.
Attic and interior
Moisture readings and photos of the decking, insulation and ceilings below.
Repairability review
Whether the damaged area can be repaired to match, or whether a larger replacement is needed.
Negotiation
We meet the insurer's adjuster or engineer on site and respond to their findings.
How Northside handles your claim
The same steps for every claim, explained in more detail on our Claims Process page.
- 1
Call, text or send the form
Call or text 888-888-8591 any time, or use the short form on this page. Tell us what happened and who your insurer is.
- 2
Free inspection and policy review
A licensed adjuster inspects the property at no cost and reads your policy, declarations page and any letters from the insurer.
- 3
Documentation and estimate
We photograph, measure and record the damage and its cause, then write a detailed repair estimate and contents list.
- 4
We present and negotiate
We submit the claim, meet the insurer's adjuster and experts at the property and negotiate the amount owed.
- 5
Settlement and payment
The insurer pays the agreed amount. Our fee is a percentage of the settlement, capped by Florida law. No recovery, no fee.
Roof claims across Cape Coral and Lee County
Southwest Florida
We inspect roofs throughout Cape Coral, Fort Myers and Lee County. After a named storm, also see hurricane damage in Fort Myers and Cape Coral.
South Florida
For leaks that already caused water damage inside, see water damage in Cape Coral.
Cape Coral roof claim FAQ
Will my insurer replace the whole roof?
It depends on the extent of the damage, whether the roof can be repaired to match and your policy terms. We document all three.
My roof claim was denied as wear and tear. Can you help?
Yes. We review the denial letter and the insurer's photos, then re-inspect and document any storm damage they missed. See denied and underpaid claims.
Should I call a roofer first, or a public adjuster?
Often both. A roofer repairs the roof. A public adjuster handles the insurance claim and represents you with the insurer.
How soon should I report roof damage?
As soon as you notice it. Prompt notice is a policy duty, and Florida law sets an outside deadline for property claims.
What does it cost?
The roof inspection is free. We are paid a share of what we recover, within the limits in Florida law. No recovery, no fee.
General information only, not legal advice. Your policy and Florida law govern your claim. Florida law and your policy set deadlines for claims and supplemental claims (section 627.70132). More answers on our FAQ page.
Other damage we handle
One loss often involves more than one type of damage. See every service on our Residential claims page.
Roof damage in Cape Coral? Get a free inspection.
Talk to a licensed public adjuster today. The inspection is free, and if there is no recovery, there is no fee.
