Florida · Hurricane, Wind & Citizens Insurance Specialists
Roofing Supplement Company
Serving Florida Contractors
Florida has some of the most complex roofing insurance claims in the country — Citizens Insurance, aggressive carrier defense tactics, and the 25% rule that triggers full roof replacement. The Estimate Company makes sure you get every dollar the policy allows. 24-hour Xactimate turnaround, licensed IA-owned, 50+ carriers.
Florida's Unique Insurance Landscape
No state in the country has a more complicated roofing insurance market than Florida. After Hurricanes Andrew, Irma, Ian, and Idalia reshaped the market, private carriers fled — leaving Citizens Property Insurance as the insurer of last resort for hundreds of thousands of Florida homeowners. Citizens is notoriously aggressive about limiting claim payouts, and their internal adjusters are trained to minimize scope.
Then there's the 25% rule: under Florida Building Code, if more than 25% of a roof is damaged or replaced in a 12-month period, the entire roof must be brought up to current code. This is a massive leverage point for Florida roofing contractors — but only if the supplement is written correctly and the code language is cited properly. We know exactly how to document and supplement these claims.
Kyle and Lexie Hamrick have 20+ years of combined IA experience working with carriers across the Southeast, including Florida hurricane claims. We use AccuLynx to manage your entire Florida claim pipeline, so you always have visibility on every open supplement — from Citizens to State Farm to Universal Property and beyond.
Florida-Specific Line Items We Supplement
Florida's hurricane-rated building codes and high-wind design requirements create supplement opportunities that general estimators miss. Here's what we catch on every Florida claim:
Shingle remove & replace — with correct tear-off pricing for Florida's layered systems
Starter strip — required at eaves and rakes per Florida High Velocity Hurricane Zone code
Ice & water shield — required as self-adhering underlayment under Florida wind code
Drip edge — Florida code requires drip edge replacement when roofing is replaced
Step flashing — missed at every chimney, wall, and parapet intersection
Steep charge — many Florida homes (especially CBS construction) have complex pitch zones
Synthetic underlayment — Florida requires high-temp, high-wind rated underlayment
Ridge vent — hurricane-rated ridge cap and vent replacement always supplemented
Gutters — hurricane wind and debris damage to gutters is frequently excluded on initial scope
Fascia — wind-driven rain and impact damage to fascia is a standard Florida supplement
Florida Markets We Cover
- ✓ Miami, Coral Gables, Hialeah, Homestead
- ✓ Tampa, St. Petersburg, Clearwater, Brandon
- ✓ Orlando, Kissimmee, Sanford, Lake Mary
- ✓ Jacksonville, Ponte Vedra, Fleming Island
- ✓ Fort Lauderdale, Boca Raton, Delray Beach
- ✓ Sarasota, Bradenton, Venice, North Port
- ✓ Fort Myers, Cape Coral, Naples, Bonita Springs
- ✓ Pensacola, Panama City, Destin, Fort Walton Beach
- ✓ Tallahassee, Gainesville, Ocala
- ✓ Daytona Beach, Palm Bay, Melbourne
Citizens Insurance: Know the Rules
Citizens Property Insurance follows its own claim procedures, has strict timelines, and frequently disputes contractor invoices and supplement requests. We know how Citizens processes claims, what language triggers their reviewers, and how to write a supplement that gets approved rather than denied. If you're doing volume work in Florida, having a licensed IA on your supplement team isn't optional — it's the difference between getting paid and getting stiffed.
Services for Florida Roofing Contractors
Hurricane Damage Supplements
Full scope supplements for wind, impact, and hurricane damage. We document every code-required upgrade and follow up with Citizens, State Farm, Universal Property, and other FL carriers weekly.
Citizens Insurance Supplementing
Citizens has its own rules. We know them. We write supplements that get approved — not denied — and we follow up until the check is cut.
25% Rule Documentation
We document and argue the 25% code upgrade trigger correctly so you can do full replacement instead of a partial patch. This is worth thousands per claim.
Retail Xactimate Estimates
Need a professional estimate for a cash or insurance-funded retail job in Florida? 24-hour turnaround. Florida pricing, correct line items, ESX + PDF delivered.
Why Florida Contractors Choose The Estimate Company
Kyle Hamrick is a former licensed independent adjuster — he worked claims, he knows what carriers owe.
We understand Citizens Insurance, Florida wind code requirements, and the 25% replacement rule.
20+ years combined IA experience with wife Lexie across 50+ carriers nationwide.
AccuLynx pipeline tracking — you always know exactly where every supplement stands.
24-hour turnaround so your Florida jobs don't sit waiting on adjuster review timelines.
Guarantee: work 2 claims/week for 12 months and add 6 figures in margins — or we write a $5,000 check.
Ready to maximize your Florida claims?
Send us your file. We'll have a supplement back within 24 hours.
Guarantee: 2 claims/week × 12 months = 6-figure added margins or $5,000 check.