Document Florida Hail Damage & Get Paid Fast
Step-by-step guidance to capture, organize, and submit hail damage evidence that Florida insurers accept without delays.
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FAQ
What is the best way to photograph hail damage on a Florida roof for an insurance claim?
Use a high-resolution camera or smartphone to shoot in natural daylight, capturing wide-angle shots of the full roof surface and close-ups of individual impact marks next to a ruler or coin for scale. Document every slope, take photos of dented gutters, cracked skylights, and bruised shingles, and geotag each image with a timestamp. Florida insurers typically require evidence from multiple angles, so aim for at least 30 to 50 photos per claim and organize them into labeled folders by roof section before uploading to your claims portal.
How long do I have to file a hail damage insurance claim in Florida?
Under Florida Statute 627.70132, policyholders have one year from the date of a hurricane-related loss and generally two to three years for non-hurricane hail events to file an initial claim, though policy language can shorten that window. Because Florida's property insurance market has tightened significantly, insurers scrutinize late filings closely, so it is best practice to report hail damage within 72 hours of the storm, request an adjuster inspection within two weeks, and keep a written log of every communication with your carrier.