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Top Notch Roofing’s Guide to Disaster Recovery in Florida

Hopefully you never have to file a claim for roof damage or replacement based on a catastrophic event. However, if it happens, Top Notch Roofing is here to help! We are a trusted, local, insured, licensed Florida roofing contractor with more than 15 years of experience. We provide residential roofing services and commercial roofing services all over the state. See our guide to disaster recovery in Florida below.

After a Catastrophic Event, Follow This Disaster Recovery Guide:

1. Call a Local, Licensed and Insured Roofing Contractor Trusted by the Community

After a catastrophic event, we recommend that you have your roof inspected prior to contacting your insurance company. You should only file a claim after an inspection has occurred and your roofing contractor has verified damage. This may save you from filing a possibly unnecessary claim.

Elevated Roofing is happy to provide you with a free roof assessment. We provide a detailed photo inspection report of any damages or issues we find. Call us at (321) 299-3591 or contact us online to schedule an evaluation.

2. Report Your Claim

If your roofing contractor has verified damage to your roof and property, call the catastrophe claims number in your insurance policy to report your claim to your insurance company. Get your claim number.

The insurance company will assign an adjuster to your claim, who will contact you within a few days. The adjuster will set an appointment to inspect your property damage in order to set an amount for the claim.

3. Get a Roofing Contractor on Your Side for the Inspection

We recommend that you have a trusted, roofing contractor to be your advocate during the adjuster’s inspection. Top Notch Roofing works with major insurance companies every day. Insurance adjusters are very busy after catastrophic events, and may overlook an important aspect of your claim. We will ensure your adjuster understands the extent of the damage and that the roof measurements are accurate.

We will ask you to sign an authorization form allowing us to speak with your insurance company about your claim. This will speed up the process and cut back on phone calls in which you relay every message back and forth.

This form can be faxed to your insurance company when filing the claim or later in the insurance claims process. You will still be involved in the decision-making process of course, but will not have to address every little detail.

4. You Will Receive the Adjuster’s Claim Summary

Within several weeks, you will receive the Adjuster’s Claim Summary. This summary from your insurance adjuster lists all the items on your home to be replaced and/or repaired.

Insurance policies are generally written two different ways. They will either be actual cash value (ACV) plans or replacement cost value (RCV) plans.

Actual Cash Value Plans

If you have Actual Cash Value (ACV) coverage, you will receive one check around the same time of your adjuster’s claim summary. This check will be the adjuster’s figure for replacing the roof based on his or her calculations, minus the depreciation for the age of the roof and any other covered items. A percentage of the replacement cost is withheld based on the amount of years left on the life of the shingles and on any other items, minus the amount of your deductible.

Under Florida Insurance Code, you will personally have to fund the amount of your deductible. There is no legal or ethical way around that. Top Notch Roofing requires the insured to pay their deductible – that is the law.

For example, let’s say you have an actual cash value plan. Your $100,000 home has a 20-year warranty on shingles that are 10 years old, with a one percent deductible. If the price of your new roof is $5,000, your insurance company will pay half of the replacement cost and withhold the amount of your deductible ($2,500 minus $1,000). The check you receive would be $1,500. You would be responsible for paying the other $3,500 out of pocket.

Replacement Cost Value Plans

If you have Replacement Cost Value (RCV) coverage, you may receive your funding in two separate payments. You would still receive the same actual cash value check with the adjuster’s claim summary. However, you can request a second check from your insurance company for your replacement cost, or recoverable depreciation upon completion of the roof claim.

To keep our same scenario, if you had no other changes to the claim summary, this reimbursement check would be for $2,500, for the amount they withheld for the depreciation of the aging roof. You are still responsible for your deductible. We explain the process for requesting this check further down the page.

5. Send a Copy of the Adjuster’s Claim Summary to Your Roofing Company

When you receive your adjuster’s claim summary, send a copy to your project manager or our office. We will review the data to ensure you reach an adequate settlement. There may be details the adjuster has overlooked, depending on his or her level of experience. Adjusters are busy after a storm, and many have little to no knowledge of roofing. We will note any missing items. The insurance company will most likely fund these through supplements.

If the adjuster’s summary does not adequately cover the expenses of a quality roof replacement, we will work with you and your insurance to get what you deserve. This back and forth process may take four to six weeks, depending on availability of your adjuster.

It is important to be patient during this process. Your insurance company has certain steps or layers of resistance it goes through as a rule. By the end of the process, we are usually very successful in obtaining supplements to cover everything needed for a high quality roof. Many claims do need supplementing to provide a quality roof job, which is what you want as a homeowner.

6. Get Your Insurance Check Endorsed and Processed

It takes time for the mortgage company to endorse the check and return it to you, so do not hold on to this check. Send it off immediately to the lien holder for endorsement.

Many banks hold insurance checks for up to 10 days before releasing funds. After you receive your check, it may take up to four weeks to actually have the funds available in your account. This is why we encourage you to not hold on to the checks, but to send them off immediately for endorsement.

We get paid by you personally, not the insurance company. The funds will need to be available in your account upon completion of the job.

7. Schedule Your Storm Damage Roof Repair or Roof Replacement

Once an adequate price is determined (or immediately if the first check funds the project from the beginning) and you have received and processed your first check from the insurance company, we will schedule your roof repair and/or roof replacement. Once the project begins, it typically only takes a couple of days to provide you with a beautiful new roof that will last for years to come.

At the completion of the job, we will collect a personal check from you for the full amount of the roof replacement, which is the amount decided upon by the insurance company. You will most likely have received any supplement checks by then.

8. Send Your Job Receipt to the Insurance Company and Request a Reimbursement Check

If you choose Top Notch Roofing, we will do all of the following on your behalf. We will give you a receipt for the total cost of the roofing job. If you have an RCV policy, we will send this receipt to the insurance company immediately. This receipt shows your insurance company the following:

  • The project is complete.
  • You met your deductible.
  • The funds were spent as designated.

Along with the receipt, request a reimbursement check for your “recoverable depreciation,” or replacement cost value. Recoverable depreciation correlates to the amount your insurance company discounted in the first actual cash value check for the depreciation for the life of the roof. Remember our example above for a roof with 20 year shingles that has aged 10 years.

It is your responsibility to request the depreciation check. If you do not request one, your insurance provider will not send one. Then, your insurance provider will issue another check for the balance of the job.

This two-step process is an effective method used by insurance companies to make sure the work they pay for is actually completed. It takes more time, but serves a valid purpose.


Summary of Disaster Recovery Roof Repair in Florida

To summarize, if you have a RCV policy, then the only out of pocket expense you will ultimately have is your deductible. The insurance company reimburses you for the full amount of the roof job, except the deductible you agreed to when you set your policy.

If you have an ACV policy, then you will receive a percentage of the replacement cost (depending on how much your roof has aged) less your deductible. Under an ACV policy, you may be personally responsible to fund a large portion of the project.

We understand that this can be a very confusing process, especially if it is your first claim. Top Notch Roofing can help you during every step of the claims process. We take great pride in being professionals when dealing with your insurance company.

We are here to make sure your interests are not overlooked by your insurance company or an overworked, well-meaning adjuster. And, if we sign a contract with you (per your permission), we can speak with your insurance company so you do not have to.

Call Top Notch Roofing today at 321-299-3591 or contact us online to discuss your disaster recovery roof repair.

*Important Note

Read over your policy to make sure you have an RCV policy (one with recoverable depreciation.) Otherwise, you may be personally responsible to fund a large part of the project. A lot of insurance policies in Florida are changing to ACV policies on the roof coverage based on the age of the roof. However, the only out of pocket expense you should incur is the deductible you set.

Attempting to avoid paying your deductible by submitting inflated prices from a contractor or by keeping the insurance money without using it as designated is not only unethical, but can constitute insurance fraud, which is a felony. When everyone follows the proper procedures, the system works better for everyone. Make sure to set a reasonable deductible.

Disclaimer: Top Notch Roofing is not a licensed insurance agent, and this page is not meant to be insurance advice. We do not guarantee this information is correct. You should always consult with your insurance company for any questions.

hurricane damage on Central Florida home


Having served Florida since 2008 and completing over 1000 reroofs, Top Notch Roofing has proven to be the best choice for any roofing needs one may have. We stay up to date with changes in roofing technology, application, and products, so we can offer the best roofing systems to our clients. It is our solid commitment to the industry and our customers that allows us to keep doing what we love and be one of the most trusted in the business. Take a look at the different counties we cover across Florida and then give us a call to schedule your free roof inspection.

Lance Knudsen
Lance Knudsen
August 2, 2023.
HATS OFF TO TOP NOTCH ROOFING! From start to finish the whole experience was pleasant. Heather was phenominal. Her warm, friendly attitude was very welcomed. Jacob performed the estimate quicly and professionally. And the crew, where do I begin? As usual the Florida climate gave us rain at the worst time, but the crew waited it out and worked until dark to finish the job. They also replaced some rotted wood. We had a wonderful experience with this company.
Davey Frost
Davey Frost
June 6, 2023.
It is difficult to find companies that perform this well in the post Cov-id era but Jason and Top Notch Roofing certainly delivered in all aspects of my roof repair.
Bill hass
Bill hass
May 17, 2023.
Great company. Gets the work done fast. Actually I was referred to them from a friend. After they finished my roof and installed two skylights. I referred Jason and Top Notch to two other home owners. They did both of their homes. Had a hardworking crew for each house. Fast and efficient. They work from sun up till sun down. Always will recommend Top Notch Roofing. Haven't had a reason not to.
Gary Supley
Gary Supley
April 16, 2023.
As the name of company goes “Top Notch” ! Rich is straight up professionally, delivers what is Contracted for. Hurricane Ian stressed all of us out, but he took the time, did the job right! No BS.
Chris Newitts
Chris Newitts
April 16, 2023.
I live in NJ and my time in fla was limited. Rich was in my neighborhood and saw me scratching my head on the roof. After speaking with him I agreed to let his company do the job. They handled the entire job with my lnc. Co. They took care of everything.There was even a crew at my house Christmas eve. The work was top notch,price was fair,and left no mess! I couldn't be happier.
daniel sellers
daniel sellers
April 16, 2023.
With all the different roofing advertising, it’s not easy to choose the right company. Top Notch roofing fulfilled everything we needed. I contacted Rich Faas to explore a few issues with my roof. He was honest, direct, and motivated to get the job done quickly and headache free. Thank you Rich for your professionalism and friendly service! I know we won’t need another roof anytime soon, but I’ll gladly recommend Top Notch roofing on behalf of him and his team.
Allen Jobes
Allen Jobes
April 16, 2023.
We worked with Rich Faas who is very professional, courteous, and knowledgeable. He communicated regularly and was very helpful with the process. The installation team did a great job. Highly recommend.
Heather Burroughs
Heather Burroughs
April 16, 2023.
Rich Faas worked with our insurance company and got everything done. He agreed to their estimate and worked in a professional, friendly and efficient manner. Once we gave him permission to handle our account we felt very comfortable and we were relieved of any concerns. Everything ran smoothly. He was even able to get new gutters approved. We have and will continue to recommend his services to others. Bret and Heather Burroughs
Maria Vega
Maria Vega
April 15, 2023.
This was my first time contracting a Roofing Company. Rich Faas came highly recommended....and after meeting him in person I was so much more knowledgeable; Rich helped me in understanding the process of replacing the roof, as well as making sure the insurance company paid for other items needed that where not included in there inspection estimate. My roof was replaced in one day as Rich said it would be. I highly recommend this roofing company as all other companies i requested an estimate only did it via satelite pictures. Rich Faas was the only one that came to my home. His knowledge was 100%; He was kind and very respectful. He also came the day of the installation and day after to check the work and see if i had any questions or concerns. Rich Faas also was great at communicating and responded promptly to all of my texts. I highly recommend Top Notch and Rich Faas!