Roof types we handle
- Asphalt 3-tab and architectural shingle
- Concrete and clay barrel tile
- Standing-seam and exposed-fastener metal
- Low-slope modified bitumen, TPO, EPDM (residential and commercial)
- Slate and composite slate
- Green / vegetated roofs (commercial)
Why Florida roof claims are routinely underpaid
- Causation disputes. The single most common issue: carrier engineer attributes damage to wear-and-tear when storm correlation is clear. Forensic analysis (debris strike, uniform uplift, timeline) often flips the finding.
- Scope reduction. Carriers pay for the damaged slope when full-roof replacement is warranted. Fla. Stat. 626.9744 (matching statute) applies when the material is discontinued or no longer a reasonable match: often forcing full-roof replacement.
- ACV payout on RCV policy. Carrier pays Actual Cash Value (depreciated) when the policy is Replacement Cost Value. The RCV holdback must be released when repairs are complete.
- Law and ordinance omitted. Truss tie-downs, impact-rated underlayment, secondary water barrier, and Florida Building Code upgrades add 15–40% to the reroof cost. Law and ordinance endorsement pays the delta.
- Labor, mobilization, and overhead missing. Per-slope estimates routinely omit tear-off, disposal, and multi-story mobilization. Overhead and profit (10-and-10) often omitted on jobs that qualify.
The matching-statute advantage
Fla. Stat. 626.9744 requires replacement of a "reasonably continuous area" when the damaged material is no longer available to match. For Florida homes with:
- Discontinued tile product lines (extremely common for tile built pre-2010)
- Discontinued shingle color/profile combinations
- Non-standard metal panel systems
...the statute often forces a full-slope or full-roof replacement even when only part of the roof is damaged. We cite the statute explicitly and submit matching documentation with every claim that qualifies.
How Ocean Point handles roof claims
- On-site inspection with drone + ground-level documentation.
- Damage pattern analysis correlating specific event (date, wind speed, hail size from NOAA).
- Xactimate estimate including tear-off, code upgrades, matching, and per-Florida labor rates.
- Matching documentation from manufacturers when material is discontinued.
- Independent engineering report when the carrier has retained an engineer to deny/reduce.
- Escalation: appraisal, CRN, or DFS mediation as appropriate.