Skip to main content

«  View All Posts

Roof Replacement /
Insurance claims

New Smyrna Beach Homeowner's Guide: Unraveling the Roof Replacement Insurance Puzzle

August , 2023 | 6 min. read

By Nick Wagner

RoofCrafters truck parked in front of a home in New Smyrna Beach, a roof replacement in progress

Has your New Smyrna Beach roof seen better days? Perhaps it's been the silent witness to one too many Florida storms? When the inevitable beckons – a complete roof overhaul – the first query is often, "Is my insurance up to the challenge?"

For three decades, RoofCrafters has been the guiding star for New Smyrna Beach residents. Helping decipher the cryptic runes of insurance paperwork. And while our gut instinct yells, "Of course! File that claim!" when storm-inflicted damages are evident, it's not always a straight path. There's the tiny print, conditions, and those pesky stipulations to skim through.

Roofers installing a tarp on a storm-damaged roof in Jacksonville Florida

But fear not, dear homeowner! Navigating the winding roads of roof replacement insurance in New Smyrna Beach is our jam. With this guide, you'll discover how to inspect for storm damage, raise a foolproof claim, and possibly sport a brand-new roof. All while basking in the Florida sun. Ready to decode the enigma? Let's dive right in!

When to Wave the Insurance Flag for Roof Overhauls in New Smyrna Beach


Strong Connection between Chrome Carabiner and two Red Ropes Symbolising the Insurance_ Selective Focus_

Before shouting, "Insurance to the rescue!" from your New Smyrna Beach balcony, there's some groundwork to be done. Assessing and gauging the amount and type of damage is step one. The fabric of your roof—what it's made of—and the temperament of the latest New Smyrna squalls steer this.

Let's embark on a step-by-step journey, ensuring your insurance claim doesn't just shoot for the stars, but lands among them.

Deciphering Roof Havoc in New Smyrna Beach


roofer checking the flashing on a wall

Roof evaluation is a sport best left to the experts—those equipped to spot every dent, ding, and dramatic mark left by Mother Nature. Each tempest has its trademark tantrum. Thus, it makes heaps of sense to rally a pro-well-versed in stormy moods to eyeball your roof.

While the inner DIY spirit might urge you to channel your inner superhero, don't. Surveying from afar is the mantra. Ascending your roof not only threatens to add insult to injury. (quite literally to your possibly bruised roof) But also queues you up for a 'slip and trip' episode.

From the safety of terra firma, keep your eagle eyes peeled for:

  • Punctures, dents, or fractures in the roof shingles
  • Absent shingles or tile fragments
  • Roof leakage
  • Accumulation of granules or loose shingles
  • Missing adhesive or warped flashing

wind damage 3-tab shingles

A good vantage point and a keen observer's patience should let you spot these clues. If your detective hat signals anything close to 'Houston, we've got a problem'— dial a pro without a beat!

Snapping the Scene of Roof Desolation in Volusia County


The first rule of thumb for post-weather-induced mayhem? Channel your inner photographer and snap away! Ocular testimonials can become pivotal when you're looking to convince your homeowner's insurance. Now, if you've been meticulous and snapped your home in all its glory before the storm, these photos can work as your 'before' reference. Yet, if you missed capturing the calm before the storm— it's okay, life happens.

rooftop shot of missing shingles and Jacksonville RoofCrafters truck

Enter insurance providers. They dispatch their knight in shining armor— the "field adjuster," who, armed with a camera, is set to document every dent and scratch. But, if you're feeling a tad anxious and want a preliminary sweep before the official cavalry arrives. We, at RoofCrafters of New Smyrna Beach, stand ready! Our squad not only captures the disarray but also crafts an estimate that encompasses repair or a full roof makeover.

Knocking on Your Insurance Door: A New Smyrna Beach Homeowner's Playbook


Now, the make-or-break step: initiating the dialogue with your insurance mogul. But a pro tip? Before you dial that number, ring up a seasoned roofer. Doing so might save you from filing a claim that could boomerang back without any reparations. Especially if there's no actual damage or not enough to fuss about.

hands holding a phone showing communication

Let's touch on the asphalt shingle, the go-to choice for many. With a life expectancy of 15-20 years, the age of your roof could very well dictate the course of your claim. If your roof had already run its course before Mother Nature played her hand, chances are, the insurance gods might not be in your favor.

While your insurance firm might send over their trusty adjuster to survey the havoc, it’s savvy to get a nod from a local roofing expert first. Their seasoned eyes can better judge if the damages beckon the intervention of your insurance.

Crunching the Numbers: Roof Replacement Costs 


pig depicting saving money

Ah, the age-old question: "What's the damage... to my wallet?" Roof replacement in NSB, like any good seaside tale, varies depending on the many players in the plot. But, thanks to the Sunshine State's law, when waving the insurance flag for a roof redo or patch-up, your role is to cough up the deductible. 

In layman's terms? The deductible stated in your policy, coupled with any swanky upgrades, is your bill to foot. That's it.

We're no strangers to the whims of Mother Nature. Hence, if your bank account gives you the side-eye when the deductible or those tantalizing upgrades come knocking, fear not. We've got flexible financing plans to cushion that blow.

Can My Insurance Step Up for a New Smyrna Beach Roof Redo?


Absolutely! Think of your insurance as that trusty surfboard – there to support you when the waves get wild. The heart of your decision should beat to the rhythm of how intense that storm danced on your roof. 

It's always wise, though, to have a sharp eye for those tiny terms & conditions hiding in the shadows. Once you're set to ride this wave, you'll want a roofer who’s both skilled with shingles and shines in service.

A dream roof isn't just about snazzy tiles or shingles, but also about hands that lay them with passion and precision. That's where we, at RoofCrafters, swivel into the picture. We've been assisting homeowners for over 30 years. If you're on a quest, we're armed with a palette of material choices and a lowdown on the sturdiest warranties. And if the insurance maze has you twisted, we're here to untangle the knots.

image call to action, schedule an inspection

Questions brewing on the insurance front? Paddle over to our learning center for some enlightenment. Always ready to aid our beloved New Smyrna Beach folks!

Learning Center

Nick Wagner

My name’s Nick Wagner, and I was born in Linz, Austria, and raised in Florida. In recent years, my involvement and experience as a law enforcement officer has allowed me to develop a keen familiarity with my community, and I am now eager to assist as part of the RoofCrafters family. During my off-time, I enjoy jet skiing, reading, web designing, and spending time with my two children, Payton and Paul.