Navigating Insurance After Storm Damage

Alron Construction provides licensed storm damage inspections with detailed photo documentation for homeowners in Cocoa, Melbourne, and Central Florida. We help you understand the claims process and provide the documentation your insurance company needs. Licensed contractor CGC1515789 and CCC1328819. Office: 300 N Cocoa Blvd, Cocoa, FL 32922. Call (321) 639-0911.

After a storm, understanding the insurance process can feel overwhelming. Alron Construction provides licensed inspections with detailed documentation, helping you understand what damage exists and what your options are. All coverage and claim decisions are between you and your insurance company.

Most Florida homeowners insurance policies cover sudden storm damage to roofs, including wind, hail, and falling debris. Coverage does not extend to gradual wear and tear or pre-existing damage. Understanding the difference — and documenting it correctly — is critical.

Alron Construction provides licensed storm damage inspections with detailed written reports and photos. This documentation gives you and your insurance company clear evidence of what damage exists and what repairs are needed. A professional inspection report provides an accurate picture to work from when making coverage decisions.

Florida hurricane deductibles work differently than standard deductibles. Instead of a flat dollar amount, most Florida policies have a percentage-based hurricane deductible — typically 2 to 5 percent of your dwelling coverage. Your deductible is your financial responsibility as the policyholder. It is set by your insurance policy, not by us.

If you decide to file a claim, we provide the documentation your insurer needs and can be present during the adjuster's inspection to answer technical questions about the roofing work and our findings. All coverage and settlement decisions are made between you and your insurance company.

Alron Construction, LLC is a licensed roofing and general contractor (CCC1328819 / CGC1515789), not a public adjuster, insurance agent, or attorney. We do not interpret your policy coverage, advise you on whether to file a claim, or negotiate claim settlements on your behalf. We do not waive, discount, or absorb deductibles. All information on this page is for general informational purposes only. For questions about your specific coverage, deductible, or claim rights, please consult your insurance company or a licensed Florida public adjuster.

Why Choose This Service

Our Process

  1. We Inspect & Document: A licensed inspector examines your roof and photographs every finding. You receive a clear written report.
  2. We Explain Your Options: We walk you through what we found. If damage is present, we explain your options including repair, replacement, or filing a claim.
  3. You Decide, We Support: If you choose to file a claim, we provide documentation and coordinate with your adjuster. All decisions are yours.

Frequently Asked Questions

Does homeowners insurance cover storm damage to my roof in Florida?

Most Florida homeowners insurance policies cover roof damage caused by sudden events like wind, hail, and falling debris. Coverage depends on your specific policy, deductible type, and the nature of the damage. We recommend consulting your insurance company for coverage questions.

Should I get an inspection before filing an insurance claim?

An inspection and a claim are two completely different things. An inspection simply tells you what is on your roof — no claim is filed, no insurance company is contacted. Many homeowners get an inspection first to understand what they are dealing with before making any decisions.

What is a hurricane deductible in Florida?

A hurricane deductible in Florida is typically a percentage of your dwelling coverage — usually 2 to 5 percent — rather than a flat dollar amount. Your deductible is your financial responsibility as the policyholder.

Will you waive my deductible?

No. Your deductible is your responsibility under your insurance policy. We do not waive, discount, absorb, or work around deductibles. Any contractor who offers to do that is breaking Florida law.

How long do I have to file a roof insurance claim in Florida?

Claim deadlines in Florida depend on when your insurance policy was issued. For most policies issued on or after July 1, 2023, you generally have 1 year from the date of loss. We always recommend contacting your insurance company as soon as possible and confirming your specific deadline directly with them.

Related Services

Contact Alron Construction

Alron Construction, LLC: Licensed Florida Roofing Contractor (CCC1328819) and Certified General Contractor (CGC1515789). Office: 300 N Cocoa Blvd, Cocoa, FL 32922. Call (321) 639-0911 for a free, photo-documented roof inspection. Serving Brevard, Volusia, Seminole, Orange, and Osceola counties since 2008. A+ BBB rated, 244+ verified Google reviews, veteran-owned (SDVOSB).

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