Innotec Claims

Serving all 67 Florida counties

Florida Xactimate® Estimating & Claims Management

Insurer-ready estimates for Florida restoration contractors, roofers and public adjusters — written to the 1-year notice rule, percentage hurricane deductibles and the 2026 roof laws, not generic national assumptions.

Florida claims are governed by Florida rules

After Helene and Milton, more than half of residential claims were closed without payment. Most of those weren't fraud or bad faith — they were deductibles, deadlines and scope. Here is what we build every Florida estimate around.

1-year notice, 18-month supplement

Under §627.70132 a Florida property claim is barred unless the insurer is notified within 1 year of the date of loss; supplemental claims get 18 months. Every estimate we write is dated and scoped so a supplement can be filed inside that window.

7-day acknowledgement, 60-day decision

§627.70131 requires insurers to acknowledge a claim communication within 7 days and pay or deny within 60 days. A complete, itemized estimate on day one is what stops the clock from resetting on “we need more information.”

Hurricane deductibles of 2%, 5% or 10%

The deductible is a percentage of Coverage A, not of the loss. On a $400,000 dwelling a 5% deductible is $20,000 — which is why “below deductible” was the top reason Helene and Milton claims closed without payment. Full-scope estimates are how contractors get over that line legitimately.

Roof rules: 15-year clock and the 25% rule

Insurers can’t non-renew solely for roof age under 15 years, and SB 2-D removed the 25% replacement rule for post-2009 code-compliant roofs. We scope roofs to the applicable Florida Building Code edition so the line items hold up.

10% public adjuster cap after a declared emergency

§626.854 caps PA fees at 10% for the first year after a Governor-declared emergency and 20% otherwise. Thin margins mean PAs can’t afford slow estimating — our Florida turnaround is measured in hours.

No more assignment of benefits

SB 2-A ended AOBs on policies issued after 1 Jan 2023. Contractors now bill the homeowner and support the homeowner’s claim — which makes an accurate, defensible estimate the whole game.

Built for the people who actually file Florida claims

  • Restoration contractors — water, mold, fire and wind mitigation and rebuild estimates with the documentation carriers now demand post-AOB.
  • Roofing companies — wind-uplift, hail and hurricane roof scopes tied to the applicable Florida Building Code edition and the 15-year and 25% rules.
  • Public adjusters — overflow estimating during catastrophe season plus full claims management, so a 10% fee still makes sense.
  • Homeowners — an independent itemized estimate to compare against the carrier's number before accepting a settlement or invoking appraisal.

Florida markets we estimate for

Remote estimating means the same team, price list and turnaround whether the loss is in South Florida or the Panhandle.

Florida claim guides

Florida's 1-year claim deadline

Every date under §627.70132 and §627.70131 that can end a claim.

Hurricane deductibles explained

Why a $30,000 roof claim can pay $0, and how scope changes it.

Roof claim denied in Florida?

Wear-and-tear denials, the 15-year rule, appraisal, and next steps.

Florida estimating FAQ

See a Florida estimate before you commit to anything

Send us one real Florida claim — photos, measurements or a sketch — and get an itemized Xactimate® estimate back within 12 hours. Free, no obligation.