Living in Florida means enjoying sunshine and warm weather—but it also means preparing for storms. As we enter the 2025 hurricane season, it’s critical that homeowners understand how their insurance policy applies to roof damage and replacement. At Superior One Roofing, we walk homeowners through the insurance process every day, and we’re here to help you make informed decisions, protect your investment, and weather the storm with confidence.
Know Your Coverage: What Does Your Policy Include?
Not all homeowners insurance policies are created equal. Some will cover the full cost of a new roof, while others only cover a portion based on your roof’s age and condition. Understanding the differences in coverage can save you time, money, and frustration when it matters most.
Two of the most common types of coverage are RCV and ACV. It’s important to know what each means so you’re not caught off guard if you need to file a claim.
RCV vs. ACV: What’s the Difference?
When it comes to roof insurance, two terms you’ll hear frequently are RCV (Replacement Cost Value) and ACV (Actual Cash Value). Understanding the difference between them can greatly impact what you pay out-of-pocket after storm damage.
RCV (Replacement Cost Value) means your insurance will pay the full cost to replace your roof with a brand-new one of similar kind and quality, minus your deductible. This is the most homeowner-friendly option because it minimizes out-of-pocket expenses and ensures full restoration. The downside? Policies with RCV coverage often come with slightly higher premiums, and not all insurance carriers include it by default.
ACV (Actual Cash Value) coverage, on the other hand, reimburses you for the current, depreciated value of your roof. This means the older your roof, the less you’ll receive. While ACV policies tend to cost less in premiums, the tradeoff is significant. You may end up covering the difference between the depreciated value and the full cost of replacement, which can be thousands of dollars.
➡️ Tip: Ask your insurance agent to explain which option you have and how it applies to your roof’s age.
Law & Ordinance Coverage: The Hidden Lifesaver in Florida
Florida’s building codes evolve after almost every major storm. If your roof is damaged and must be replaced, your home may be required to undergo code-related upgrades like installing hurricane straps, secondary water barriers, or improved ventilation systems.
Law & Ordinance (L&O) Coverage helps pay for these required upgrades. Without it, the costs to bring your home up to code could be entirely out of pocket.
⚠️ What Happens If You Don’t Have It?
- Unexpected Expenses: You may be responsible for thousands in unplanned costs.
- Delayed Repairs: Permits may be denied if code requirements can’t be met.
- Partial Coverage: Your claim payout might not reflect the full scope of the job.
➡️ Bottom line: If your home was built before 2001, make sure your policy includes L&O coverage. It could save you from a financial storm.
2025 Hurricane Season: What Florida Homeowners Need to Know
We’re expecting another active hurricane season, and that means more scrutiny from insurance carriers. Here’s what you need to know now to stay ahead of the curve and protect your home:
📌 Age-Based Claim Limitations
Insurance companies are increasingly denying or reducing claims for roofs over 10 years old, especially if they show signs of wear or lack documentation. A recent inspection can help protect you and support your claim in the event of storm damage.
📌 New Permitting Standards
Florida municipalities are tightening building permit requirements. Roof replacements must now meet stricter energy codes, underlayment guidelines, and ventilation standards. These changes can affect both the cost and timing of your roof replacement.
📌 Increased Insurance Scrutiny
Carriers are inspecting properties more closely and questioning claims more frequently. Missing paperwork, lack of inspections, or undocumented upgrades can delay or reduce your claim payout. Having a trusted roofing partner who knows the process can make all the difference.
➡️ Action Step: Schedule a free pre-storm roof inspection with our team to ensure your home is documented, protected, and compliant.
The Insurance Claim Process: What to Expect
If your roof is damaged in a storm and you need to file a claim, here’s what the process generally looks like when working with Superior One Roofing:
Step 1: Inspection & Documentation
Call Superior One Roofing. We’ll perform a detailed inspection, identify storm-related damage, and provide a professional report to support your claim. We include thorough photo documentation and clear explanations.
Step 2: File Your Claim
You’ll contact your insurance provider to initiate the claim. We’re happy to coordinate with your adjuster and be present during the inspection to ensure that no damage is missed.
Step 3: Approval
Once your claim is approved, your insurance company will typically issue the first payment (ACV) to begin the work. This payment allows us to order materials and get started.
Step 4: Roof Replacement
Our expert crew will begin work, using premium materials and following Florida’s latest building standards. We take pride in clean, professional installs done right the first time.
Step 5: Final Documentation & Payment
Once your new roof is complete, we send all necessary documentation to your insurance company, including final photos, completion certificates, and invoices. This ensures they release the final payment (RCV or withheld depreciation) to close your claim.
➡️ We manage the process from start to finish, keeping you informed at every step.
Why Homeowners Choose Superior One Roofing
We’re not just a roofing company—we’re your neighbors, your advocates, and your storm-season experts. With deep roots in Central Florida and a track record of excellence, we guide you through the roofing and insurance process with professionalism and care.
✅ Licensed & insured
✅ Local team with hurricane-season experience
✅ Responsive communication
✅ Superior craftsmanship
✅ Free inspections with photo documentation
Schedule Your Free Roof Inspection Before the Next Storm Hits
Don’t wait until you’re dealing with a leak or denied claim. Our pre-storm inspections can help you document your roof’s current condition and prepare for the 2025 hurricane season with confidence.
📞 Call: (321) 209-9092
🌐 Web: https://www.superioroneroofing.com
Schedule your free inspection today!
Superior One Roofing – Superior by Design.