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Roof Leaks and Celing Stains

Have you experienced Roof Leaks and Celing Stains? Central Florida Property Claims is available for you 24/7, with an expert team of Central Florida Public Adjusters ready to help fix any problem from day one - we represent and manage insurance claims for commercial properties too!

Roof and Ceiling Stains

Roof and ceiling stains are a shock when you discover them, and some are notoriously difficult to locate the source of. Rather than try to solve the issue yourself, you can use the homeowner’s insurance you pay monthly premiums for to call in experts. Unfortunately, insurance companies rarely readily comply with requests to check roof and ceiling stains. This fact is especially true in Central Florida, where the weather can damage your home quickly and leave behind complications.

That’s why you need the public adjustors at Central Florida Property Claims. A public adjuster is on your side through the insurance process and knows all the tricks insurance companies use to avoid paying your claim. Bringing in a public adjuster helps you get what you need without the hassle.

Common Issues with Roof and Ceiling Stains

Unfortunately, roof and ceiling stains are not uncommon in Daytona, Tampa, Orlando, and The Villages. You or an expert must find the source before you can replace the ceiling where the stain is or restore your roof.

Common Roof and Ceiling Stain Causes:

  • Water leaks

  • Mold

  • Algae

  • Rust

  • Tree debris

  • Bleed-through

  • Soot

  • Lichens

Most of these causes happen without your knowledge and are often not your fault. That only makes the appearance and ceiling stains more puzzling. You can do everything right with your home and still end up with stains. Worse is that you need to figure out the roof or ceiling stain source to file with the appropriate insurance authority. For example, a ceiling stain in the basement caused by flooding would not fall under your homeowner’s policy. It would fall under flood insurance. This maze is part of why you want an expert on your side.

Tricks Insurance Companies Like to Use

Insurance companies do the bare minimum to keep you as a client while paying out as little as possible. This fact means they use many tricks to frustrate you and avoid paying, especially on items like stains. You need someone who understands how the insurance company operates on your side. One of the standard practices of insurance companies with roofs and ceiling stains is claiming your policy does not cover the damage. While sometimes true, it’s often used as an extra step to frustrate you out of continuing the process. Another administrative task an insurance company may place on you is proving what caused the damage. Often, there is no way to do so without hiring your own expert at your cost. This move requires investment on your part to overcome, which makes it a favorite tactic for roof and ceiling stain claims. Your insurer may also challenge the value of anything related to your claim, even the repairs. This tactic can leave you paying the difference out of pocket if you cannot convince the insurance company to reevaluate. It may also leave you without replacement items that your policy covered. Generally, insurance companies try to avoid outright denying your claims. However, that does not mean your insurer will not use a bad faith denial as a tactic and make you resubmit everything. This tactic is incredibly stressful for you. Insurance companies have many tricks at their disposal to avoid paying on your claim. Therefore, you need someone on your side throughout the process to provide guidance and support your claim through anything the insurance company throws at you.

How Central Florida Property Claims Can Help

At Central Florida Property Claims, our team of public adjusters are experts in insurance claims. Unlike the adjuster from your insurance company, our team members are on your side throughout the process of fixing roof and ceiling stains.

Public adjusters do more than offering guidance on the intricacies of insurance. We handle making your claim so you can focus on your life. Our knowledge helps encourage a favorable outcome for your insurance claim and prevents frustration from the insurance company. When you have roof and ceiling stains, call Central Florida Property Claims first. Our professional team will help you file the proper claim and handle your insurance company. We serve The Villages, Orlando, Tampa, and Daytona for your convenience.

Types of residential and commercial damage we manage:


  • What are the claim steps?
    1. Free intial consultation which includes an inspection, damage assessment and policy review. 2. We will then schedule and attend an inspection with your insurance companies adjuster. 3. Once our reports are complete, we will start negotiations to get your claim settled. We are here to make this process simple and stress free for you!
  • How long will the claims process take?
    It is important to know that every insurance claim and insurance company is different. Our goal is to have your claim closed within 90 days but some claims can take 3-6 months. Your adjuster will give you a better timeline at your initial appointment.
  • What is my cost to get started?
    There are no upfront cost for us to manage your claim. We only get paid when you get paid!
  • Will my insurance rate go up if I file a claim?
    Homeowner's insurance premiums are calculated considering a lot of factors. Factors such as, "risk" in the geographical area you live in, carrier losses the previous year and inflation are examples of what is used to determine your premium. Your rates are subject to change at your carrier’s discretion.
  • Are we a contractor?
    We are not licensed contractors. Our job is to handle your insurance claim from A to Z. Once we finalize your claim, you can decided who you want to complete your repairs. Our team has shown to be reputable leaders in the industry time and time again by providing and unforgettable experience.

What are the next steps?

  1. Free initial consultation which includes an inspection, damage assessment and policy review.

  2. We will then schedule and attend an inspection with your insurance company’s adjuster.

  3. Once our reports are complete, we will start negotiations to get your claim settled.


We are here to make this process simple and hassle free for you!


Get A FREE Inspection Today

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