Questions homeowners ask us most, answered.

Make sure everyone is safe first. Then document everything with photos and video before any cleanup or repairs begin. Contact Roof Roof Direct before making any contractor or insurance decisions. We help you understand what to do next for your specific situation.

Fill out our short form or call us. Our team reviews your damage type and situation and helps you understand your options. Learn more about how the process works. We then connect you with vetted Florida professionals when you're ready, and stay with you through the process. Every homeowner who works with us receives 12 months of Roof Roof membership at no charge.

Recovery timelines vary significantly depending on damage type, insurer response times, and contractor availability, especially after major storm events. Roof Roof Direct helps homeowners understand realistic timelines for their specific situation.

We help Florida homeowners after storm and hurricane damage, roof damage, water and flood damage, fire and smoke damage, and exterior wind damage. If you are not sure whether your situation qualifies, just reach out and we will help you figure it out.

No. We connect you with vetted professionals from our network, but you always make the final decision. We never pressure homeowners toward any specific contractor or outcome.

We recommend reaching out to Roof Roof Direct before filing your claim if possible. Understanding the recovery process and what documentation is typically needed before your first insurance call can help you approach the process more prepared.

No. Roof Roof Direct is not a licensed public adjuster and does not file or manage insurance claims on your behalf. We help homeowners understand the recovery process and connect them with the right resources.

A denial is not always final. Florida homeowners have options after a denied or underpaid claim: requesting re-inspection, filing a complaint with the Florida Department of Financial Services, or pursuing appraisal or mediation processes outlined in their policy. Roof Roof Direct helps homeowners understand what options may be available.

An Assignment of Benefits transfers your insurance claim rights to a contractor. While not always harmful, AOB agreements have been widely misused in Florida. Never sign one without fully understanding what you are agreeing to. Call us first if you are unsure: (888) 876-6364.

At minimum: photos and video of all damaged areas before cleanup, a written description of what happened and when, receipts for emergency expenses, and a list of damaged personal property. Your insurer may require additional documentation depending on your damage type and policy.

A wind deductible is a separate deductible that applies specifically to wind-caused damage, and it is often percentage-based rather than a fixed amount. A 2% wind deductible on a $400,000 home means $8,000 out of pocket before insurance pays. Understanding yours before filing is critical.

The Roof Roof Program is a 12-month homeowner protection membership that every homeowner receives automatically when they work with Roof Roof Direct. It includes hurricane emergency supply benefits, vetted contractor access, homeowner recovery guidance, and financial assistance awareness, at no charge.

Enrollment is automatic. Every homeowner who works with Roof Roof Direct receives 12 months of membership at no charge, beginning the moment your recovery process starts. No separate signup is required.

Roof Roof Members have access to emergency hurricane supplies: tarps, dehumidifier packs, and sandbags, during declared storm events. Call us at (888) 876-6364 to understand what is currently available in your area.

getroofroof.com is the Roof Roof membership platform: your home protection hub for emergency resources, updates, and member benefits. Your Roof Roof membership is managed through getroofroof.com.

The Roof Roof membership lasts 12 months from the moment you begin working with Roof Roof Direct. It is included at no charge for every homeowner who works with us.

Our assistance is provided at no cost to Roof Roof Members. Homeowners are responsible for their insurance deductible as required by their policy. We never charge homeowners for guidance, contractor connections, or membership.

The Roof Roof membership is included at no charge for every homeowner who works with Roof Roof Direct. Homeowners remain responsible for their insurance deductible.

Financial assistance programs may be available at the federal, state, county, and community level depending on your damage type, location, and circumstances. Most homeowners never access these programs because they don't know where to look. Our team helps homeowners understand what options may apply to their situation.

No. Homeowners are responsible for their insurance deductible as required by their policy. Anyone who offers to cover your deductible is violating Florida law. Roof Roof Direct never offers or implies deductible coverage of any kind.

Assistance programs may be available for homeowners without flood insurance depending on your location, damage extent, and circumstances, particularly if a federal disaster has been declared in your area. Our team helps homeowners understand what options may apply to their specific situation.

We evaluate Florida contractors for active state licensing, liability and workers compensation insurance, quality of work, and homeowner accountability. We connect homeowners with contractors from this vetted network. We do not employ contractors directly.

Verify their Florida contractor license at myfloridalicense.com. Request proof of liability and workers compensation insurance. Get a written estimate with line-item detail. Never pay the full amount upfront. Never sign an Assignment of Benefits without fully understanding it.

Storm chasers are out-of-state or opportunistic contractors who target Florida communities immediately after storm events. They often show up unsolicited, use high-pressure tactics, and may not be properly licensed or insured in Florida. Roof Roof Direct helps homeowners recognize storm chasers and connect with vetted local professionals instead.

Yes, always. Roof Roof Direct connects homeowners with vetted professionals from our network, but you always make the final decision. If you have a contractor in mind, we can help you think through the right questions to ask before committing.

No. Roof Roof Direct connects homeowners with vetted professionals but is not responsible for the work performed by independent contractors. All contractors in our network carry their own licensing, insurance, and warranties.