Storm damage?
We're on the roof in 24 hours.
Hurricane, wind, hail, or fallen tree — we inspect, document, and handle the insurance paperwork so you don't have to. Free. No pressure. No claim required.
From damage to done.
- Step 1
Call or request online
Our storm line is staffed 24/7 during hurricane season. We dispatch a roof specialist within hours.
- Step 2
We document everything
Full drone aerials, close-up damage photos, measurements, and a written estimate — formatted for your insurer.
- Step 3
You file the claim
We share the report directly with your adjuster. Most homeowners use it as their primary claim documentation.
- Step 4
We negotiate if needed
If your insurer underpays, we know what's reasonable in South Florida and push back with evidence.
- Step 5
We install your new roof
Once your claim is approved, we install fast — most replacements are wrapped in 2-3 days.
Most Florida policies pay for the full replacement.
Florida homeowners insurance generally covers sudden, accidental damage from wind, hail, falling objects, and storm uplift. Routine wear-and-tear isn't covered — that's where Renova's documentation matters most.
- Wind damage — lifted, torn, or missing shingles or tiles
- Hail impact — bruising, granule loss, fractured tiles
- Tree or debris strike — punctures, structural deck damage
- Storm-driven water intrusion — interior ceiling, attic, or wall damage
ACV vs RCV — the words that matter
Your policy pays either Actual Cash Value (depreciated) or Replacement Cost Value (full cost of a new roof). RCV pays better but you usually have to install before the recoverable depreciation is released. Renova handles both — and explains what your specific policy is doing in plain English.
Don't pay your deductible upfront.
Florida law requires deductibles be paid as part of the claim. We'll show you how to do this legally and avoid contractors who "waive" deductibles — that's insurance fraud and can void your claim.
Common questions
How fast can someone come inspect?
During hurricane season we aim for same-day or next-morning. Off-season, usually within 24 hours.
Does the inspection cost anything?
No. Always free. Even if you decide not to file a claim or hire us.
What if my insurer denies the claim?
We'll review the denial letter with you. Often we can re-document and request reconsideration. If we genuinely can't recover the claim, we'll quote you fairly out-of-pocket.
Do I need to be home?
No — exterior inspections don't require access inside. We'll text you photos and the report.
How long until you can install if approved?
Most full replacements are scheduled within 2-3 weeks of permit, then installed in 2-3 days.