While some roof leaks are associated with wear and tear, which is not covered in your policy, most roof leaks in Florida are potentially weather-related. Roof leaks can cause interior ceiling damage. These damages can range from mild water stains to harmful mold and extensive/destructive hidden damage.
While the insurance company may miss pertinent damage resulting in an under deductible payment or a denial, this does not mean you, the insured, are without coverage.
As always, contact Your Public Adjuster FIRST to assist with your insurance claim and policy concerns. Our expertise in roof evaluations allows us to determine whether the roof has been damaged due to wear and tear or a covered peril, such as wind/hail, debris impact, or direct physical damage.