Roofs fail. Pipes burst. Insurers stall.
We force carriers to pay for the full scope of repair — not a patch job.
Florida roofs take a beating. Between hurricanes, wind uplift, hail, and blistering sun, failures happen — and when they do, water gets in fast. Insurers know it, and they've gotten better every year at limiting what they pay.
Whether you have a wind-damaged roof, a hidden leak, or a burst pipe under your slab, we fight to get you the full replacement or repair your policy owes.
Wind-damaged shingle and tile roofs
Hail damage
Storm-lifted roof decking
Interior water damage from roof leaks
Slab leaks and under-slab plumbing failures
Supply line and drain line bursts
Water heater and appliance failures
Partial vs. full roof replacement disputes
Partial repair vs. full replacement.
A common insurer tactic: approve a small patch when the entire roof needs to be replaced. Florida law and policy language often support a full replacement when a matching repair isn't possible. We handle the technical arguments and expert reports required to win it.
Tear-out, mold, and reconstruction after a pipe burst.
A slab leak or supply line break can flood a home in minutes. Your policy owes tear-out (removing walls and flooring to reach the pipe), reconstruction, mold remediation, and often additional living expenses. Carriers routinely pay only a slice. We get the rest.
Questions we hear.
Is a roof leak covered by homeowners insurance in Florida?
Sudden roof damage from a covered peril (wind, hail, falling objects) is typically covered — including the resulting interior water damage. Long-term leaks are harder, but carriers over-apply this exclusion. We push back.
The insurer will only pay for a partial roof repair. Can I get a full replacement?
Often yes. Florida's Matching Statute and roof provisions in your policy may entitle you to a full replacement when repair can't restore a uniform appearance. This is a technical fight — call us.
A pipe burst under my slab. What now?
Turn the water off, document everything, do NOT tear out until you've called us. Slab-leak claims involve tear-out coverage, mold, and often reconstruction. Getting the sequence right matters.
Ready to talk to an attorney?
Free case review. No fees unless we win. We answer the phone.