Year: 2026

Direct Answer A sworn proof of loss is a formal, signed statement in which an insured declares under oath the amount being claimed and provides information supporting an insurance loss.…

Direct Answer The Florida Building Code generally requires a complete roof tear-off down to the roof deck when the existing roof is water-soaked or deteriorated, certain prohibited roof-covering materials are…

Direct Answer Yes, a metal roof can be retrofitted over an existing metal roof if the proposed system is properly designed, structurally supported, and permitted under the applicable building code.…

Direct Answer Florida generally prohibits policyholders from assigning post-loss benefits under residential and commercial property insurance policies issued on or after January 1, 2023, subject to statutory exceptions. The primary…

Direct Answer Yes, a roofing contractor can explain a repair estimate, construction bid, or technical scope of work to an insurance carrier, but negotiating an insurance settlement on behalf of…

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…

Direct Answer Thermal movement in long metal roof panels is accommodated through sliding or floating clips, designated fixed points, and properly designed roof joints and flashing details. Metal panels expand…

Direct Answer A Notice of Intent to Initiate Litigation (NOI) is a formal notice required under Florida Statutes Section 627.70152 before a claimant can generally file a lawsuit against an…

Direct Answer For a low-slope commercial roof recover in Florida, the existing roof must be suitable to support the proposed roofing system, and the new assembly must satisfy applicable code,…

Direct Answer The Florida Building Code, Existing Building, governs how reroofing work on an existing building is classified and performed, while the Florida Building Code, Building, provides the technical requirements…