Underpaid Hail Damage Claim in Florida?
Hail damage is one of the most underpaid perils in Florida because bruising and fractured mats aren't visible from the ground. Carriers frequently call verified hail damage 'cosmetic' or pay for a handful of shingles when the roof qualifies for replacement. A proper test-square inspection documenting bruising and granule loss is what moves a lowballed hail payment to a full one.
Why Hail Claims Get Underpaid in Florida
- Calling functional hail damage 'cosmetic'
- Paying for spot repairs instead of qualifying replacement
- Missing bruised mats, fractured shingles, and granule loss
- Omitting soft-metal and gutter/downspout hail damage
- Below-market pricing and excessive depreciation
How We Recover Your Hail Shortfall
Audit the Payment
We compare the carrier's scope and pricing against the true cost of repair, line by line.
Re-document
We re-inspect and document the hidden, omitted, and underscoped damage the first estimate missed.
Rebuild the Estimate
We write an independent replacement-cost estimate at current Florida market rates.
Supplement & Negotiate
We file a formal supplement and negotiate — escalating to appraisal or mediation if needed.
See What Your Claim Should Actually Pay.
Run your damage through our free calculator to get a defensible recovery range built from current Florida market rates — then compare it to what the carrier paid and let us fight for the difference.
Underpaid Hail Claim FAQ
Why do carriers underpay hail claims?
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Hail bruising and fractured mats aren't visible from the ground, so quick inspections underscope or label damage 'cosmetic.' A test-square inspection documenting functional damage supports a full replacement.
What is 'cosmetic' hail damage?
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Carriers use 'cosmetic' to argue the roof still sheds water. 'Functional' means the shingle's integrity is compromised. Documenting bruised mats and granule loss frequently proves functional damage owed at replacement cost.
Can I supplement a hail claim that was paid?
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Yes. If the roof qualified for more than the carrier paid, we document it and file a supplement within Florida's deadlines.
What does a review cost?
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Nothing upfront — contingency only, within Florida's fee caps.
This information is general and educational, not legal advice. Statutory deadlines and policy provisions vary; consult the current Florida Statutes, your policy, or an attorney for your situation.