When Should You Have Your Roof Inspected? (And Why Waiting Could Cost You)

How Often Should You Have Your Roof Inspected?

Most experts recommend a professional roof inspection at least once a year — ideally in early spring or after hurricane season ends.

But in storm-prone areas like Florida, you should also schedule an inspection:

• After any major storm with high winds or hail

• Before hurricane season begins (usually late spring)

• If your neighbors are having roof work done — their damage could be your warning sign

Establishing a “Date of Loss” Matters

One of the biggest challenges in roof claims is proving when the damage occurred. Insurance companies often deny or underpay claims due to “wear and tear” or “pre-existing damage.”

A professional inspection can help you:

• Document the current condition of your roof

• Spot damage early — even if it’s not visible from the ground

• Establish a timeline if you later need to file a claim

This creates a baseline report that becomes powerful evidence if your roof suffers storm damage later.

Inspections Are Usually Free or Low Cost

The good news?
Most reputable roofing contractors will inspect your roof for free or a minimal charge. It’s a small investment that could save you thousands down the road.

Just be sure to work with a licensed contractor — and avoid anyone pressuring you into signing repair contracts on the spot.

Don’t Wait for a Leak

By the time water stains appear on your ceiling, your claim may be more complicated — or denied altogether.
Leaks take time to form. And if you delay, the insurer might argue the damage happened long before you reported it.

Call Your Public Adjuster Before You File

If you suspect storm damage or notice roofing issues, don’t call your insurance company first.
Call a licensed Public Adjuster to review your policy, inspect the damage, and guide you through the process.

At TrueHaven Claims Consulting, we’re The Experts on Your Side in Insurance Recovery.
We’ll help you document your loss, avoid costly mistakes, and get the settlement you deserve — with no upfront fees.

Need a referral to a licensed roofer for a free inspection?
Call or text us at (877) 367-4286 — we’re happy to help you protect your home before, during, or after a storm.