Reroofing a commercial building with an existing gravel-surfaced built-up roof (BUR) requires careful attention to the applicable building code, roof condition, structural capacity, drainage, wind resistance, and the installation requirements…
- August 14, 2026
What is a sworn proof of loss and when must it be submitted?
A sworn proof of loss is a formal document that a policyholder may be required to submit to an insurance company after a property damage claim. It provides a detailed,…
- August 14, 2026
When does the Florida Building Code require a complete tear-off rather than a recover?
When replacing a commercial roof in Florida, property owners often ask whether a new roofing system can be installed over the existing roof or whether the old roof must be…
- August 14, 2026
Can a metal roof be retrofitted over an existing metal roof?
Yes, a metal roof can often be retrofitted over an existing metal roof, but it depends on the condition of the current roofing system, structural capacity, building codes, and the…
- August 14, 2026
What are the current rules on assignment of benefits in Florida?
Assignment of Benefits (AOB) has been one of the most discussed issues in Florida property insurance, especially for roofing contractors, restoration companies, and property owners dealing with storm damage claims.…
- August 14, 2026
Can a contractor negotiate directly with my insurance carrier?
Direct Answer: A roofing contractor can communicate with your insurance carrier, provide damage documentation, submit estimates, and participate in inspections. However, contractors generally cannot legally negotiate insurance claim settlements, interpret…
- August 14, 2026
What constitutes bad faith in a Florida insurance claim?
When a homeowner or commercial property owner files an insurance claim in Florida, they expect their insurance company to investigate the damage fairly and provide the benefits promised under their…
- August 14, 2026
How is thermal movement accommodated in long metal panels?
Long metal roof panels are widely used in commercial roofing systems because of their durability, energy efficiency, and ability to withstand harsh weather conditions. However, one important design challenge with…
A Notice of Intent to Litigate is a formal notice that a policyholder must provide to an insurance company before filing a lawsuit over certain insurance claim disputes in Florida.…
Re-covering an existing low-slope commercial roof can be a cost-effective alternative to a complete tear-off, but Florida roofing projects must comply with specific requirements of the Florida Building Code (FBC).…