Roof Insurance Claim Assistance in Jacksonville — From Contractors Who've Seen Everything
NEXGEN Roofing provides roof insurance claim assistance for Jacksonville and Northeast Florida homeowners — from pre-documentation and adjuster appointments through supplementing and completed installation. Co-founders Brandon Cornellier and Tim Betros were on the ground in Panama City after Hurricane Michael doing water mitigation, mold remediation, and remodels under license MRSR 3064. They've handled total losses and full home remodels, and that experience is what makes NEXGEN's approach to roof insurance claims different from every other roofing company in Jacksonville. Licensed CCC1332722. Free same-day storm assessment. NEXGEN attends every adjuster appointment. Call (904) 802-7150.
Before Brandon Cornellier and Tim Betros ever put a shingle on a roof in Jacksonville, they were in Panama City after Hurricane Michael doing the work that nobody else out there knew how to do correctly — or cared to.
That was 2018. Hurricane Michael had just made landfall as a Category 5. Brandon and Tim were on the ground doing water mitigations, mold remediations, and full home remodels under license MRSR 3064. Every other contractor in the area wanted to tear things out fast and move to the next house. Brandon and Tim were the ones following procedures, documenting everything, making sure moisture was actually remediated before walls got closed up — and watching, day after day, as other contractors cut every corner available to them.
They saw what happens when a contractor doesn't document pre-existing conditions. They saw what happens when mold gets painted over instead of treated. They saw what adjusters miss when nobody who knows roofing is standing next to them. They saw homeowners sign paperwork they didn't understand, hand over their claim rights to contractors who were three states away before the ink dried, and end up with roofs and repairs that failed within a year.
They built NEXGEN specifically to be the opposite of what they saw in Panama City.
That experience — total losses, full remodels, water mitigation, mold remediation — is what makes NEXGEN's approach to roof insurance claims fundamentally different from every other roofing company in Jacksonville. Most roofers learned insurance claims because storms are profitable. Brandon and Tim learned insurance claims because they were in the room when it went wrong.
When you call NEXGEN for roof insurance claim assistance, you're not calling a roofing company that dabbles in insurance. You're calling contractors who have been inside the walls of homes after disasters, who understand the full lifecycle of a storm loss event, and who built a company around the belief that homeowners deserve someone in their corner who knows what they're doing.
NEXGEN Is Involved at Every Stage — Not Just Installation
Most roofing companies show up after you've already filed. NEXGEN is involved from the moment damage happens — before you call your carrier, through the adjuster appointment, through supplementing, through installation.
Want the full step-by-step breakdown of how the claims process works in Florida — from documentation through final installation?
See the full process →What Separates NEXGEN From Every Other Roofing Company Offering Claim Assistance
Brandon and Tim were on the ground after Hurricane Michael doing water mitigation, mold remediation, and full remodels while others cut corners. That experience carried through Ian and Milton. We know what major storm recovery looks like — and what it's supposed to look like.
Northeast Florida residential and commercial. Every insurance, every carrier, every scenario. We know how claims move in this market.
Top 1% of roofing contractors nationally. This certification requires consistent quality, documentation standards, and customer satisfaction — not just volume.
State certified roofing and building contractor. Every job permitted, every job inspected. Never a shortcut on licensing or code compliance.
Total Losses and Full Remodels — Experience Most Roofers Don't Have
A standard roof insurance claim is straightforward by comparison to what Brandon and Tim handled in Panama City. When a storm causes a total loss — when the damage goes beyond the roof into the walls, the framing, the insulation, the flooring — most roofing contractors stop at the decking and call someone else.
NEXGEN has handled total losses. We've been inside homes where water got into every layer of the structure and worked through the full remediation, rebuild, and restoration process. We know how insurance carriers handle total losses differently from partial claims. We know what documentation is required at each stage. We know how to coordinate across trades when a home needs more than just a new roof.
That experience changes how we approach every claim — even the straightforward ones. When we're on your roof after a storm, we're not just looking at shingles. We're thinking about what's happening below the surface, how moisture may have traveled, whether the structure has been compromised, and what your carrier needs to see to pay the claim correctly.
Most roofing companies look at a roof. NEXGEN looks at the whole loss event.
What This Means for a Typical Storm Claim
You don't need a total loss for this experience to benefit you. The same procedural discipline — document everything, follow the right sequence, know what adjusters look for, know what carriers need — applies to every claim we handle. The homeowner with a storm-damaged roof in Ponte Vedra gets the same approach Brandon and Tim developed in the worst storm conditions Florida has seen in decades.
Red Flags — What Bad Claim Assistance Actually Looks Like
We saw this firsthand in Panama City after Hurricane Michael. We see it in Jacksonville after every named storm. Here's what to watch for when someone shows up offering to help with your insurance claim.
"Every single practice on this list — we watched contractors do all of it in Panama City. Every one. That's why we're still talking about it." — Brandon Cornellier & Tim Betros, Co-Founders
Illegal under Florida law since SB76. Any contractor making this promise is violating Florida Statute 489.147 and potentially exposing you to fraud liability. Walk away immediately.
Also illegal. Your deductible is a contractual obligation. Any contractor offering to waive or absorb it is putting your entire claim — and potentially your policy — at risk.
Legitimate contractors don't manufacture urgency. If someone is pushing you to sign a contract the same day they knocked on your door, that pressure is intentional.
Storm chasers follow disasters. When the work is done — and sometimes before it's done properly — they're gone. Warranty claims go unanswered. Workmanship issues go unresolved.
AOB was banned in Florida in 2022. Any contractor asking you to sign over your insurance rights is operating outside the law. You lose control of your own claim the moment you sign.
Every roofing contractor in Florida is required by law to hold a state license. If they can't hand you a license number immediately, stop the conversation. NEXGEN: CCC1332722.
We saw this constantly in Panama City. Contractors ripping out damaged material before the adjuster sees it, before moisture levels are recorded, before pre-mitigation conditions are photographed. Once it's gone, you can't prove what was there.
DISCLAIMER: This page is intended for informational purposes only and does not constitute legal or insurance advice. Florida insurance laws and carrier requirements change frequently. Always consult with your licensed insurance agent, attorney, or a licensed public adjuster regarding your specific policy and situation. NEXGEN Roofing is a licensed roofing contractor (CCC1332722, CBC1263996) in the State of Florida. We are not attorneys, public adjusters, or insurance agents. MRSR 3064 is referenced for background context only and is not currently an active license.
Frequently Asked Questions
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It means having a licensed, experienced roofing contractor involved at every stage of your insurance claim — not just the installation. At NEXGEN, that means same-day damage documentation before you call your carrier, attending your adjuster appointment to make sure nothing gets missed, reviewing your scope of loss for gaps and omissions, submitting a supplemental estimate to the carrier for missed line items, and handling all communication throughout the process. You manage your claim — we make sure you have everything you need to do it right.
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Yes — with important limits. Under Florida law, a licensed roofing contractor can inspect and document damage, attend your adjuster appointment, provide written estimates, and submit supplemental estimates to your carrier. What contractors cannot do under SB76: offer incentives to file a claim, waive your deductible, act as a public adjuster, interpret your policy, or negotiate your settlement. NEXGEN operates strictly within these boundaries — and we'll tell you clearly when a situation calls for a licensed public adjuster instead.
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Because roof damage doesn't stop at the shingles. When water gets through a compromised roof — through missing shingles, damaged flashing, or storm-breached decking — it travels. Into the insulation, the framing, the drywall. Brandon and Tim built NEXGEN after working water mitigation and mold remediations in Panama City after Hurricane Michael. That background means we assess what's happening below the roof surface, not just what's visible on top. It changes how we document damage, how we communicate with adjusters, and how we protect your claim.
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No. NEXGEN's storm damage assessment is free with no obligation. We come out same-day, inspect the damage, document everything with drone aerial and close-up photography, and give you a written assessment. No pressure. No commitment required.
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A denial isn't necessarily final. NEXGEN reviews the denial against our documentation and can submit additional evidence for a supplemental claim. If the dispute is significant, we'll recommend you consult a licensed public adjuster — they work exclusively on your behalf for a percentage of the settlement and can negotiate in ways a contractor legally cannot. We can point you toward professionals we trust in Jacksonville.
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Most roofing companies offering claim assistance learned the insurance process because storm damage is profitable. Brandon Cornellier and Tim Betros learned it on the ground in Panama City after Hurricane Michael — handling water mitigation, mold remediation, and full home remodels while watching other contractors cut every corner available. They've dealt with total losses, full structural rebuilds, and every type of carrier in Florida. That experience is what makes NEXGEN's claim assistance fundamentally different. We've been inside the worst loss scenarios Florida produces. A storm damage roof claim is familiar territory.
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Yes — every single one, no exceptions. Our project manager walks the roof alongside the adjuster, points out every impact point and area of damage, and makes sure nothing gets missed. This is the most important moment in your entire claim. Homeowners who face this appointment alone consistently receive incomplete scopes. Having NEXGEN present changes the outcome.