What roof consulting covers
- Initial roof inspection. On-site or drone-assisted documentation of every slope, flashing, penetration, and ridge.
- Xactimate estimate matched to the documented scope, including underlayment, decking, drip edge, and trim work.
- Matching analysis per Fla. Stat. 626.9744 when the damaged material is discontinued or no longer a reasonable match to existing product lines.
- Law and ordinance (code-upgrade) coverage review: truss tie-downs, impact-rated underlayment, secondary water barrier, and any Florida Building Code requirements triggered by the repair.
- Carrier-engineer report review when the carrier retained an engineer to deny or reduce the claim. We counter with an independent roofing or forensic-engineering opinion when the record supports it.
- Appraisal, CRN, and mediation representation when the carrier will not pay fairly.
Roof types we work on
- Asphalt architectural shingle (3-tab and dimensional)
- Concrete and clay barrel tile
- Standing-seam metal and exposed-fastener metal
- Low-slope modified bitumen and TPO (residential and commercial)
- Slate and composite slate
- Green / vegetated roofs (commercial)
Why roof claims are commonly underpaid
- Cause-of-loss dispute. The carrier's field adjuster or a retained engineer concludes "wear and tear" where the policyholder documents a specific storm event. A forensic pattern analysis (wind direction, debris strike, uniform uplift) often flips the finding.
- Scope reduction. Carriers pay for the damaged slope only when the full slope (or the full roof) is required. Florida's matching statute directly applies here when the material is discontinued.
- ACV-on-RCV policy. Carriers sometimes scope the claim at Actual Cash Value when the policy is Replacement Cost Value, pocketing the depreciation.
- Code upgrades excluded. Law and ordinance coverage is frequently sublimited to 10% or omitted entirely; without it, the policyholder eats the 15–40% code-upgrade delta.
- Labor and mobilization omitted. Per-slope estimates often miss tear-off labor, disposal, and mobilization on hard-to-reach or multi-story properties.
Florida statutes that apply
- Fla. Stat. 626.9744: matching statute. Continuous-area replacement when matching material is not reasonably available.
- Fla. Stat. 627.70132: 1-year new-claim deadline, 18-month supplemental deadline.
- Fla. Stat. 627.70131: carrier response deadlines (7-day acknowledgment, 30-day inspection, 60-day pay/deny).
- Fla. Stat. 627.7011: replacement-cost provisions, including law-and-ordinance endorsement requirements.
Who handles roof consulting at Ocean Point
Roof claims are handled by licensed Florida public adjusters on the Ocean Point team. Eli Goins (FL DFS #P159790) handles appraisal and CRN escalation when carrier disputes warrant it.
Cost
Roof consulting is delivered on Ocean Point's standard contingency structure: no up-front fees, no recovery no fee, with Florida's statutory caps under Fla. Stat. 626.854 applied. The specific fee is disclosed in writing before signing.