Tear-Off or Re-Cover: What Are The Pros and Cons?

By Stacy Mellete

A storm can wreak havoc on your home and daily schedule as well as require expensive repairs, which is why it’s important to have insurance on your property.

On top of that, filing an insurance claim can be a complicated task and small mistakes may void the insurance payout or cause you to not receive the full amount.

As an expert in storm damage restoration in Tampa, FL, Affordable Roofing Systems shares tips to get you started on the insurance claims process:


  • Hire a Reliable Contractor – Even if your roof requires immediate attention, stay away from fly-by-night roofers. There is no assurance that they will deliver quality workmanship on your roof. Instead, look for a contractor with a great track record that will represent your best interests. At Affordable Roofing Systems, you can rely on us for all your roofing concerns. With our years of experience, we have maintained an unmatched expertise to provide the best solutions for your damaged roof.

  • Determine the Extent of Storm Damage – Before you call your insurance company, it’s best to contact a contractor to perform a thorough inspection on your roof. As a trusted contractor, we will assess your roof’s overall condition. We identify all kinds of damage to restore your roof’s best shape. We will also provide storm damage restoration in Brandon, FL, to prevent further damage to your property.

  • Document Everything – Take photos of the damage inflicted on your roof and record the date of the storm. Sometimes, your insurer may need legitimate proof, so look for online news stories of the storm hitting your region. Ask your contractor to provide a full report explaining the storm damage to your roof and an estimated cost of restoration.

  • File the Insurance Claim On Time – Most insurance policies have limited periods on accepting claims, so file yours as soon as possible. Request an insurance adjuster inspection and ask your contractor to be present during the process. Note that the adjuster works for the insurance company and they can get an incentive to deny your claim. With our presence, we will ensure that your adjuster provides a fair assessment on your roof.

You can count on Affordable Roofing Systems for all your roofing needs and beyond. Call us today at (813) 542-8462 for a responsive and efficient hail damage repair in Largo, FL.

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Our Roofing Solutions

Your roof has an important job to do to keep your home dry, but it can also be an impressive home feature.


Our stone coated steel roofing system is available in a wide range of styles including Tile, Shake, Slate, and Shingle, and in a variety of colors. We’ll help you to choose one that will fit your home’s style and your budget.


As the most-used roofing type across North America, asphalt strikes a balance between price and durability, with a life expectancy of up to 20. Shingles are available for those who want affordable, genuine slate roofing.


Tile roofs offer unparalleled value when cost per year of use is factored in. While upfront costs are higher, customers who choose a clay or concrete tile roof will enjoy the aesthetics and quality for a lifetime.


Metal roofs today come in a wide array of colors and finishes. Innovations in metal roofing technology have significantly enhanced the performance of metal roofs.

TPO Membrane

TPO can be installed to any scale with some of the world’s largest building utilizing TPO roofing systems – it comes in strips typically 8ft 10ft and 12ft wide that are heat welded on site.

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