If you’re a homeowner in Orlando and your roof suddenly starts leaking after a big storm, one of your first questions is probably: “Will my homeowners insurance cover this?” The short answer is—it depends. But don't worry, we’ll break it down clearly so you know what’s covered, what’s not, and how to make the most of your policy when it comes to replacing your roof.
Let’s Start with What’s Typically Covered
Most homeowners insurance policies in Florida will cover roof replacement if the damage is caused by something sudden and accidental. Think hurricanes, windstorms, hail, or even a tree crashing down during a thunderstorm. If the cause of damage is listed as a covered peril in your policy, then your insurer is likely on the hook for a new roof—minus your deductible, of course.
But here’s the catch: if your roof is showing its age or the damage is due to neglect or lack of maintenance, insurance likely won’t help. Insurance companies consider routine wear and tear your responsibility. So if your roof is just old and tired, it may not qualify for coverage.
The Florida Factor
Florida has some unique rules when it comes to roof coverage. State law actually helps protect homeowners from losing coverage just because their roof is older. If your roof is under 15 years old, your insurer can’t deny coverage based on age alone. If it’s older than 15 years, you can still qualify if an inspector certifies it has at least five good years left.
Also worth noting: Florida’s older “25% rule”—which once required full roof replacement if more than a quarter of your roof was damaged—has been scaled back. Now, if your home was built after March 2009 and meets the modern building code, only the damaged portion needs replacing. That’s a big deal for Orlando homeowners dealing with localized storm damage.
Replacement Cost vs. Actual Cash Value
When it comes time to file a claim, the type of coverage you have will make a big difference. Some policies offer replacement cost value (RCV), which pays for a brand-new roof using similar materials. Others provide actual cash value (ACV), which deducts for depreciation. If your roof is older or your policy is more basic, you might only get ACV—and that could mean a much smaller payout than expected.
Not Every Type of Damage Qualifies
It’s important to remember that homeowners insurance won’t cover every scenario. If your roof is damaged because it wasn’t maintained, has mold or rot from years of neglect, or is simply worn out from old age, your claim will probably be denied. Also, cosmetic issues—like a few missing shingles that haven’t caused leaks—aren’t usually covered either.
And while hurricane damage may be covered, any flooding or storm surge that comes along with it won’t be unless you’ve got separate flood insurance.
Steps to Take if You Think You Have a Claim
If you think your roof damage might be covered, don’t wait. Start by taking photos of the damage and any visible leaks or water stains inside your home. Then, contact a trusted roofing company—like Honest Abe Roofing Orlando—to schedule a professional inspection. Their team can provide a detailed report and walk you through the insurance process, which can be tricky without the right support.
Having a contractor present during your adjuster’s visit is also a smart move. It ensures everyone is on the same page about the extent of the damage and what it will take to fix it.
Why Honest Abe Roofing Orlando is Your Best Bet
At Honest Abe Roofing Orlando, we’ve seen it all—roofs torn apart by tropical storms, windblown shingles, and homeowners stressed over confusing insurance paperwork. Our team makes the process easier. We offer free inspections, document the damage clearly, and help guide your claim through every step.
We’ve helped countless homeowners in Central Florida get their roofs replaced through insurance. And when coverage falls short or isn’t available, we offer flexible financing to make sure you’re still protected from the elements.
You can find us at 7616 Southland Blvd. Ste 110, Orlando, FL 32809, or reach out by phone at (407) 887-7663. Need a quick way to connect? Visit our Google Business Profile or schedule your inspection through our official website.
The Bottom Line
Your homeowners insurance might cover roof replacement in Orlando, but only under the right conditions. Sudden damage caused by storms or accidents? Likely covered. Slow wear and tear or poor maintenance? Not so much.
Navigating your policy can be confusing, but you don’t have to do it alone. Let the team at Honest Abe Roofing Orlando help you determine your coverage and make the process as smooth as possible. We’re here to protect what matters most—your home and peace of mind.
Ready to Find Out If Your Roof is Covered?
Contact Honest Abe Roofing Orlando today for a free, no-obligation roof inspection. We’ll check the damage, help with your claim, and provide honest answers. Your roof is too important to leave to chance—let’s make sure it’s covered.
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