Florida homeowners need to know exactly what roof damage their insurance will cover – especially with 2025’s stricter hurricane season rules. This guide breaks down Florida insurance coverage and shows how MyRoofAI’s technology helps document damage for maximum claim approvals.
Florida Insurance Coverage in 2025
Fully Covered Damage Types
- Hurricane wind damage (if roof meets current wind codes)
- Hail impacts (must show fresh damage)
- Falling debris damage (trees, branches, etc.)
- Lightning strikes (including electrical damage)
Partially Covered or Excluded
- Water leaks (only sudden leaks, not long-term seepage)
- Cosmetic damage (functional but worn materials)
- Pre-existing issues (before policy start date)
- Poor maintenance (neglected repairs)
Use MyRoofAI’s free inspection tool to document your roof’s pre-storm condition and identify covered damage types instantly.
How AI Helps With Insurance Claims
1. Creates Timestamped Records
MyRoofAI’s satellite scans provide dated proof of your roof’s condition before any storm hits. Insurance companies increasingly require this documentation.
2. Identifies New vs. Old Damage
Our comparison tools highlight exactly what changed after a storm, preventing insurers from blaming pre-existing issues.
3. Generates Repair Estimates
Get insurance-compliant cost breakdowns to prevent lowball settlement offers from adjusters.
Florida’s 15-Year Roof Rule Explained
Most Florida insurers now reduce payouts for roofs over 15 years old. MyRoofAI helps by:
- Calculating your roof’s remaining lifespan
- Documenting excellent maintenance history
- Finding exceptions to the rule
Run a free roof age check to see how this affects your coverage.
Step-by-Step Claim Process
- Before storm season – Complete a MyRoofAI inspection
- After damage occurs – Rescan within 72 hours
- When filing – Submit both reports with your claim
Florida homeowners using MyRoofAI see 83% faster claim approvals compared to traditional methods.
Common Insurance Denials and Solutions
Denial Reason: “Pre-existing damage”
AI Solution: Our historical images prove what damage is new
Denial Reason: “Normal wear and tear”
AI Solution: Material analysis shows storm-caused vs. aging damage
Denial Reason: “Insufficient documentation”
AI Solution: Professional-grade reports with timestamps
Get started with MyRoofAI’s free insurance prep scan and protect your Florida home today.
“After Hurricane Ian, MyRoofAI’s reports got our denied claim approved for full replacement value when our neighbors got nothing.” – Sarah K., Naples
For help with your specific situation, visit MyRoofAI’s insurance claims assistance page.
