Roof Insurance Claims Tampa — We Handle the Process
Hytz Roofing works directly with your insurance company to handle your roof damage claim from inspection to completion. GAF Master Elite certified. FL License #CCC1332551.
We Know the Insurance Claims Process Inside and Out
How the Insurance Claims Process Works
Insurance Carriers We Work With
Frequently Asked Questions
Hytz Roofing works directly with all major insurance carriers to handle your roof damage claim from start to finish. We document damage, coordinate with your adjuster, and advocate for full coverage under your policy.
We work with State Farm, Citizens, Universal, Heritage, and all major Florida carriers. FL License #CCC1332551 · Call (813) 436-0761.
- Free storm damage inspection and documentation
- Insurance adjuster coordination
- Supplement negotiation
- Approved repair and replacement
- Supplement filing for underpaid claims
Frequently Asked Questions — Roof Insurance Claims
- Will filing a roof insurance claim raise my premiums?
- Filing a claim for storm damage typically does not raise your premiums the same way an at-fault auto claim would. Hytz Roofing will assess your damage honestly and advise whether a claim is in your best interest.
- What is a hurricane deductible and how does it affect my claim?
- Florida homeowners policies include a separate hurricane deductible, typically 2–5% of your home's insured value. On a $400,000 home, that's $8,000–$20,000 you pay before insurance kicks in.
- Can I choose my own roofing contractor for an insurance claim?
- Yes. Florida law gives you the right to choose your own licensed roofing contractor regardless of what your insurance company recommends. Hytz Roofing works directly with all major carriers including Citizens, Universal, Heritage, and Slide.
- What if the insurance adjuster's estimate is too low?
- This is common. We can review the adjuster's scope of loss, identify missing line items, and submit a supplemental claim on your behalf. We have successfully supplemented hundreds of claims across Tampa Bay.
- How long does a roof insurance claim take in Florida?
- Under Florida law, your insurer must acknowledge your claim within 14 days and make a coverage decision within 90 days. In practice, straightforward claims are often resolved in 30–45 days.
- Do you handle Citizens Insurance claims?
- Yes. We are experienced with Citizens' claim process and can guide you through their requirements from initial inspection to final payment.
