How long does an insurance claim take in Florida?

Insurance carriers in Florida have up to 60 calendar days to make a determination on your claim per state law. The actual timeline depends on various factors including adjuster scheduling, damage assessment, and whether negotiations or mediation are required.

What documentation do I need for my insurance claim?

We provide comprehensive documentation including detailed damage assessments, photos, repair estimates, and professional reports. This documentation is critical for ensuring your claim is properly evaluated and you receive fair compensation.

Will you help negotiate with my insurance company?

We do not negotiate with insurance companies. As a licensed contractor, we provide professional documentation and roofing expertise only. If you want representation for negotiations or legal matters, we can refer you to licensed public adjusters and insurance attorneys from our trusted network.

Insurance Claim Support & Referrals

We do not prepare or submit insurance paperwork, file claims, or provide legal advice. We document roof damage with photos, reports, and estimates, and when needed, connect you with licensed public adjusters and attorneys. Professional documentation and 15+ years serving Florida homeowners.

Free Roof Inspection Call: (813) 830-2665

Our Role in Your Insurance Claim Process

DISCLAIMER: Enhance Home Solutions is a licensed contractor specializing in roofing and property restoration. We are not attorneys, public adjusters, or insurance claim professionals. We do not prepare or submit claim paperwork, file claims, negotiate with insurance carriers, or provide legal advice. Our role is to provide expert roofing assessments, thorough documentation of property damage, and high‑quality restoration work.

When specialized assistance is required for filing, negotiations, legal representation, or professional claim adjustment services, we can provide recommendations and referrals to trusted, licensed professionals in our network. These include experienced licensed public adjusters and insurance attorneys who serve Florida homeowners.

Our commitment is to support you throughout the restoration process by documenting damage clearly and connecting you with the right licensed professionals for each aspect of your claim.

Expert Guidance

Damage Documentation

Referrals for Representation

500+ Homeowners Assisted

Your Partner for Claim Support

Insurance claims can be complex and stressful, especially when dealing with storm damage to your roof. We’ve supported hundreds of Florida homeowners with clear documentation—detailed assessments, photos, and estimates—to help their insurers evaluate losses. When needed, we connect you with licensed public adjusters and insurance attorneys who can represent you. We do not file claims or handle claim paperwork.

Why Choose Our Claim Support?

Insurance companies have professionals working for them—so should you. Our team understands Florida insurance regulations, carrier procedures, and the documentation insurers request. When your case requires specialized expertise or representation, we connect you with licensed public adjusters and insurance attorneys from our trusted network. We provide documentation and roofing expertise; we do not negotiate claims.

Understanding Typical Claim Stages

After you file with your insurer, here’s what you may expect. We do not file claims or negotiate; licensed representatives you choose will handle those steps.

Stage 1

Assessment & Documentation

60 days for carrier determination

We complete your roof inspection and prepare photos, reports, and estimates to support your claim. Once you file the claim with your insurer (or a licensed representative files on your behalf), the carrier will begin its review.

Damage documentation prepared
Claim filed by you or your licensed representative
Carrier review begins
Up to 60 calendar days for determination

Waiting Insurance Adjuster/Inspection

14 days for adjuster contact

Your insurance company’s adjuster should schedule with you within about 14 days. If you haven’t heard from them, please let us know. If you want representation, we can refer you to a licensed public adjuster.

Insurance company adjuster should contact you within 14 days
Inspection will be scheduled
Call us if you haven't heard from adjuster
Public adjuster referrals available for complex cases

Waiting on Carrier Determination

60 days under Florida law

The carrier has put your claim in pending status. They have 60 days to make a determination per the state of Florida. If you have not heard from them in this time, please call us.

Claim in pending status
60-day determination period per Florida law
We'll follow up if no response
Contact us if deadline approaches

Negotiations / Settlement

Claim approved and covered

If your insurer finds coverage, their adjuster or your licensed representative will negotiate the settlement. We do not negotiate claims; for complex matters, we can connect you with a licensed public adjuster.

Insurance carrier has approved coverage
Settlement negotiated by carrier and your licensed representative
Public adjuster referrals available for complex cases
We do not negotiate claims

Mediation

Professional mediation process

If mediation is requested to resolve a dispute, you’ll receive notice and scheduling details. We do not represent homeowners in mediation; we can connect you with licensed public adjusters and insurance attorneys to represent your interests.

Mediation requested by insurance adjuster
Third-party neutral mediation process
Notification and scheduling coming
Public adjuster and attorney referrals available

Appraisal

Professional loss appraisal

If an appraisal is invoked under your policy, you’ll receive notice and scheduling details. We do not manage the appraisal; we can connect you with licensed public adjusters who specialize in the process.

Loss appraisal recommended by insurance adjuster
Conducted per your policy terms
Notification and scheduling coming
Public adjuster referrals available for appraisal support

Legal Representation

Licensed attorney referrals available

If your claim requires legal representation, we can connect you with licensed insurance attorneys from our trusted network. These legal professionals specialize in property insurance disputes and represent your interests against insurance carriers.

Licensed insurance attorney representation when needed
Trusted legal professionals in our network
Specialized in property insurance claim disputes
Personal consultation with attorney required

Why Trust Us for Claim Support

Expert roofing documentation and a trusted referral network

Professional Documentation

Comprehensive damage reports, photos, and estimates to support your claim submission

Timely Preparation

We understand typical timeframes and help you stay organized with documentation and next steps

Professional Advocacy Network

We connect you with licensed public adjusters and attorneys who can represent you and pursue fair compensation for covered damages

Experience Matters

15+ years supporting Florida homeowners with documentation and roofing expertise

Clear Communication

Regular updates on your project and guidance on typical claim timelines

Peace of Mind

We focus on your roofing needs while licensed professionals handle claim representation

Ready for Claim Support?

Get professional documentation and referrals to licensed public adjusters and attorneys

500+

Homeowners Assisted

15+

Years Experience

98%

Customer Satisfaction

24/7

Support Available

Get Claim Support Today

Call Us

(813) 830-2665

24/7 Support Available

Free Consultation

Expert Claims Guidance

No Obligation

Professional Support Network

Public Adjusters & Attorneys

When You Need Them

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