What not to say to insurance adjuster roof?

After a Florida hurricane claim, do not guess at the cause, date, or dollar value of the damage. Do not say the roof was “old” or “already leaking.” Florida adjusters use those phrases to argue wear-and-tear over named-storm damage. That can flip a covered claim into a denied one under the hurricane deductible. Stick to dated facts: when the named storm hit (per NHC), when you noticed the issue, what a licensed roofer documented. Never sign an Assignment of Benefits at inspection (Florida’s 2022 SB 2-A reform restricts these for roof claims). Under Florida Statute 626.854, contractors cannot negotiate your claim or waive your deductible. FoxHaven provides photo documentation and a written scope for your file.