Gladiator Exteriors helps Tampa Bay homeowners navigate the roof insurance claim process from start to finish. We've handled hundreds of hurricane, wind, and hail damage claims — documenting the damage, meeting your adjuster on-site, and providing the supplemental scope that ensures you get everything your policy covers. Licensed CCC1337377.
Insurance adjusters see hundreds of claims. Undocumented damage often gets missed or undervalued. Our drone photography, written damage reports, and contractor scope of work give your claim the professional documentation that adjusters take seriously. Homeowners who work with experienced contractors on storm damage claims receive larger settlements on average.
Yes. We've handled hundreds of Tampa roof insurance claims for hurricane, wind, and hail damage. We document the damage, meet your adjuster on-site, provide the supplemental scope, and restore the roof — start to finish. You don't have to argue with your insurance carrier alone.
In Florida, carriers generally cannot raise your individual premium for filing a single weather-related claim (hurricane, hail, wind). Rate increases happen at the market level. Filing a legitimate claim for storm damage is your right under your policy.
Florida law (Statute 627.70132, as updated) generally gives policyholders one year from the date of loss to file a new or reopened hurricane/windstorm claim, and 18 months for a supplemental claim. Don't wait — schedule a free storm-impact inspection so the damage is documented while it's still attributable to the event.
Adjusters look for visible storm-related damage: lifted or creased shingles, bruised mats, hail strikes on soft metals, granule loss, flashing damage, and interior water staining. Documentation matters — photos with dates, drone overhead shots, and a written contractor scope dramatically improve approval odds.
A supplement is additional money requested after the initial settlement because the original scope missed something (code upgrades, decking replacement, drip edge, ice & water shield, etc.). We document and submit supplements on your behalf when the initial adjuster scope is incomplete.
Your out-of-pocket is your hurricane or All-Other-Perils deductible (typically 2%–5% of dwelling coverage for hurricane in Florida). Insurance covers the rest of the approved scope. We help you understand your deductible before any work begins — no surprises.
Yes. We file nothing on your behalf with the carrier (only you can do that as the policyholder), but we coordinate the entire process: free inspection, written report with photos, meeting the adjuster on your roof, supplemental scope, repair or full replacement, and final paperwork.
Don't navigate the insurance process alone — call (813) 419-2656 for a free storm-impact inspection.