WINTER HAVEN, Fla. (WFLA) — An 81-year Army Vet said it’s been four years with no repairs to his lanai’s roof.

When things hit a standstill, he contacted 8 On Your Side.

“Over in this area, it’s sloping way down,” homeowner Roger Swiger said. “APEX came by and said the roof looked like it was damaged. Could they go inspect it?”
That was in 2020. A year later, APEX Roofing & Restoration completed the job.

“And they did not do my lanai,” Swiger said.

Ever since, he has questioned why. His insurance, Security First, was billed a little more than $1,300 and a $1,300 lien was placed against his property. He said since then the lanai’s roof has rotten wood, and he’s had to place garbage cans out to catch any leaking water.
“Two different agents once telling me they paid them for the lanai, and the other one told me they did not because it wouldn’t be covered because it wasn’t part of the original roof, but it’s connected to the house,” said Swiger.
With no direct answer, 8 On Your Side asked APEX Roofing, which shared this statement.

Apex routinely puts customer satisfaction, above all, as our highest priority. We have reviewed the contract and scope of work for this homeowner. Apex performed all services as outlined and paid for by Mr. Swiger’s insurance provider. The local municipal code inspector passed the roof after final inspection, indicating that the work met inspection standards and was signed off by the local government. The back lanai was never part of the insurance carrier’s scope of work and the customer did not contract with us to replace its roof. Because the lanai was not part of the scope of work, Apex never received any funds for any work on the lanai.

APEX Roofing

Swiger contacted his insurance company.
“I told Security First you have no problem raising my rate, but you don’t want to repair my damages,” he said. “You just gave me an $800 increase per year, and yet four years later, you’re still got me with a messed-up lanai.”

APEX said it was the insurance company that determined the lanai roof should be excluded. 8 On Your Side reached out to Security First and we are waiting for a response.

In the meantime, good news came as a surprise for the Army Vet when APEX said: “Because we value this community and we know that our individual customers’ situations are complex, and that navigating insurance coverage is cumbersome, we would like to go the extra mile for this homeowner and give him a positive resolution. We have offered to gift this additional repair to him free of charge. Apex Roofing is always committed to ensuring that our clients are happy and satisfied, with a positive resolution to any issue they face.”