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My Dispute With Florida Blue Roofing LLC and House Top Roofing Inc, Daytona
Photographic documentation of interior damage beneath roof area during the period in question (provided by complainant).
Last Updated: February 18, 2026
TL;DR — What's Alleged in This Dispute
- No roofing license number appeared on the contract with Florida Blue Roofing LLC. Neither co-owner — Jason Sharp nor Ken Berrios — held an active license at signing.
- The named qualifying agent, Jillian Santiesteban, was never seen on the property by the homeowner at any point during the project.
- The roofing permit was pulled under House Top Roofing Inc., not Florida Blue Roofing LLC — the company the homeowner actually contracted with.
- Additional insured status was requested, acknowledged, and never provided. Work began without it.
- The roof was left unfinished. A lien was filed anyway. Water intrusion and interior damage followed.
- Regulatory complaints have been filed with the Florida DBPR. No public response has been received from any named party.
Key Takeaways From This Dispute
This case highlights several recurring risk patterns in residential roofing disputes that Florida homeowners should be aware of before signing a contract.
A missing license number on a roofing contract is a red flag. Ms. Fordham's contract with Florida Blue Roofing LLC contained no roofing license number. Florida law requires licensed contractors to include their license number on contracts and advertising. A blank field should prompt verification through the DBPR before signing.
A qualifying agent you never meet may not be supervising your project. Florida Blue Roofing LLC claimed Jillian Santiesteban served as their qualifying agent, but Ms. Fordham reports never seeing her on-site. Homeowners have the right to ask who holds the license their project operates under — and to verify that person's actual involvement.
Permits pulled under a different company name deserve scrutiny. The roofing permit for this project was obtained under House Top Roofing Inc., not Florida Blue Roofing LLC — the company Ms. Fordham contracted with. When the permitting entity doesn't match the contracting entity, homeowners should ask why before work begins.
"Additional insured" status should be confirmed in writing before work starts. Ms. Fordham required this protection and was told the contractor understood. Work began without it. The contractor later blamed their insurance agent for refusing the addition. Verbal assurances are not insurance coverage.
A lien filed on an unfinished project compounds the homeowner's exposure. Ms. Fordham reports that Florida Blue Roofing LLC filed a lien while the roof remained incomplete and exposed to weather, resulting in water intrusion and interior damage. Florida's lien and notice statutes exist to protect both parties, but timing and documentation matter.
Filing regulatory complaints is one of the few tools available to homeowners in the middle of a dispute. Ms. Fordham pursued complaints with the Florida DBPR. While regulatory review does not guarantee resolution, it creates a documented record and may trigger licensing action that protects future consumers.
Narrative Overview (Based on the Complainant's Account)
This Lighthouse Report documents a residential roofing dispute in Daytona Beach, Florida, involving allegations of undisclosed licensing status, questionable qualifying-agent representations, permitting under a separate corporate entity, unfulfilled insurance conditions, incomplete work, and a lien filed on an unfinished project. The dispute is described by homeowner Edna Fordham and involves Florida Blue Roofing LLC and House Top Roofing Inc.
This report is based on sworn complainant testimony, contemporaneous documents, public licensing and permitting records, and written communications retained by the complainant.
According to Ms. Fordham, she executed a roofing contract on September 10, 2025, with Jason Sharp of Florida Blue Roofing LLC. She states that the contract did not disclose a roofing license number and that she was not informed that neither identified co-owner — Jason Sharp nor Ken Berrios — held an active roofing license at the time of execution. She further states that she was not informed the company intended to rely on a qualifying agent.
The complainant states that Florida Blue Roofing LLC later represented that Jillian Santiesteban was acting as a qualifying agent under DBPR License #1336331. Ms. Fordham reports she never met or observed Ms. Santiesteban on the premises at any point during the project. According to the complainant, Ms. Santiesteban separately obtained a roofing permit under House Top Roofing Inc. using DBPR License #CCC058176 — despite public business records reflecting no corporate or licensing association between the two entities.
Ms. Fordham further states that she required confirmation of additional insured status before work commenced. She reports that the contractor acknowledged this condition but did not disclose it as unfulfilled before beginning work. Florida Blue Roofing LLC later advised her in writing that their insurance producing agent, Blue Angel Insurance, instructed them not to add her due to potential premium increases. Ms. Fordham identifies Obsidian Specialty Insurance as the commercial carrier involved.
According to the complainant, work began, portions of the roof were removed, a municipal inspection failed, and the project ceased without completion. A lien was subsequently filed while the roof remained unfinished. Ms. Fordham reports discovering water intrusion and interior damage due to prolonged roof exposure. She states that she has pursued regulatory complaints and other remedies and that the matter remains unresolved as of publication.
As of publication, no public response has been received from any named company or individual.
Why This Report Matters
Disputes involving roofing licenses, qualifying agents, permitting practices, insurance disclosures, and lien filings during incomplete work are recurring issues in residential construction complaints. This report documents one such dispute for public awareness and pattern visibility.
Purpose of This Report
This Lighthouse Report preserves the complainant’s account of an unresolved consumer dispute for transparency, public record, and informed decision-making. DisputeVoice does not adjudicate disputes or determine liability.
Parties Identified in this Report
Services Offered by Florida Blue Roofing LLC
Florida Blue Roofing LLC is a roofing contractor based in New Smyrna Beach, Florida, serving homeowners and businesses across Volusia, Flagler, Brevard, Seminole, Osceola, Orange, and St. Johns Counties. The company has been in operation since September 10, 2024, and describes itself as family-owned and operated.
Residential and Commercial Roof Replacement: Florida Blue Roofing LLC performs full roof replacements for both residential and commercial properties. The company works with multiple roofing material types, including architectural shingles, 3-tab shingles, and products from major manufacturers such as GAF, CertainTeed, and Owens Corning. They also install tile roofing systems — including clay tile, concrete tile, S-tile, and flat tile — as well as metal roofing in standing seam, exposed fastener, 5-V crimp, and metal tile configurations.
Roof Repair Services: The company offers repair services across all major roofing systems. This includes shingle roof repair, tile roof repair, metal roof repair, and flat roof repair. For low-slope and flat roofing, Florida Blue Roofing works with TPO, EPDM, Modified Bitumen, Torch-Down, PVC, and roof coating systems.
Storm and Hurricane Damage Repair: Operating in a hurricane-prone region of Central Florida, Florida Blue Roofing LLC provides emergency storm damage repair and advertises assistance with the insurance claims process. The company states it responds quickly to protect homes from continued water intrusion following storm events.
Roof Inspections: Florida Blue Roofing offers roof inspection services, providing homeowners with a detailed condition report and recommendations for any necessary repairs. Routine inspections can help identify issues before they escalate into costly damage.
Gutter Services: The company provides gutter cleaning, gutter repair, and gutter installation to help protect homes from water damage caused by improper drainage.
Siding Installation: In addition to roofing, Florida Blue Roofing LLC offers siding installation services for residential properties.
Fascia, Trim, and Skylight Repair: Florida Blue Roofing also handles fascia and trim repairs, which are critical for preventing roof rot and mold. The company repairs skylight leaks, a common source of water intrusion when flashing or seals deteriorate.
Where Florida Blue Roofing LLC Operates in Central Florida
Florida Blue Roofing LLC is based in New Smyrna Beach, Florida, and advertises service across seven counties in Central and East-Central Florida: Volusia County, Flagler County, Brevard County, Seminole County, Osceola County, Orange County, and St. Johns County. That territory spans roughly from St. Augustine south to the Space Coast and west into the Orlando metro — a service radius that covers well over two million residents and some of the most hurricane-exposed coastline in the state.
Ms. Fordham's home is in Daytona Beach, located in Volusia County — the core of Florida Blue Roofing's advertised service area and the same county where the company's New Smyrna Beach office is based. Volusia County is home to 16 municipalities, including Daytona Beach, Daytona Beach Shores, Ormond Beach, Port Orange, South Daytona, Holly Hill, Ponce Inlet, New Smyrna Beach, Edgewater, Oak Hill, DeLand, Deltona, DeBary, Orange City, Lake Helen, and Pierson. The county stretches from the Atlantic Ocean to the St. Johns River, encompassing both the dense coastal communities of the Greater Daytona Beach area — sometimes called the Halifax area, after the Halifax River that runs through the beachside — and the more suburban inland communities of West Volusia, including Deltona, the county's most populous city. As a coastal county in East-Central Florida, Volusia is directly exposed to Atlantic hurricane systems, which drives consistent demand for roof replacement, storm damage repair, and insurance claim assistance — all services Florida Blue Roofing LLC markets to homeowners in the region.
To the north, Flagler County includes Palm Coast, Flagler Beach, Bunnell, and Beverly Beach — communities that share Volusia's coastal storm exposure and have seen rapid residential growth in recent years. St. Johns County, anchored by St. Augustine and Ponte Vedra Beach, extends the company's advertised reach into Northeast Florida. South of Volusia, Brevard County encompasses Melbourne, Titusville, Cocoa Beach, Palm Bay, Rockledge, and Merritt Island — communities along the Space Coast that face similar hurricane risk. Inland, Seminole County (Sanford, Lake Mary, Altamonte Springs, Casselberry, Longwood, Oviedo) and Orange County (Orlando, Winter Park, Apopka, Winter Garden, Maitland) bring Florida Blue Roofing's advertised territory into the greater Orlando metropolitan area. Osceola County (Kissimmee, St. Cloud, Celebration) rounds out the southern edge of their claimed service footprint.
It is worth noting that Florida Blue Roofing LLC's service area claims are self-reported on its website and marketing materials. The company was founded in 2024 and holds DBPR License #FRO16294 (Construction Financial Officer, Construction Business Information) under Ken Berrios at 307 Caryota Court, New Smyrna Beach. As documented in the Parties Identified section of this report, the roofing permit for Ms. Fordham's project was not pulled under Florida Blue Roofing LLC — it was obtained by Jillian Santiesteban under House Top Roofing Inc., using a separate license number (CCC058176). Homeowners across all seven of these counties should verify not only that a contractor claims to serve their area, but which entity and license number will actually appear on the permit for their specific project.
Timeline of Events (According to the Complainant)
September 10, 2025 — Contract Execution
Ms. Fordham states she executed a roofing contract with Jason Sharp of Florida Blue Roofing LLC. She reports that the contract did not list a roofing license number. She states she was not informed that neither of the identified co-owners held an active roofing license at the time of execution. She further reports that reliance on a qualifying agent was not disclosed when the contract was signed.
Pre-Work Conditions
Ms. Fordham states she required confirmation that she would be listed as an additional insured prior to commencement of work. She reports that this condition was understood by the contractor.
Permitting Activity
According to the complainant, Jillian Santiesteban obtained a roofing permit under House Top Roofing Inc., using DBPR License #CCC058176. Ms. Fordham states Florida Blue Roofing LLC later asserted Ms. Santiesteban was also acting as its qualifying agent under DBPR License #1336331. She reports that public business records do not reflect a corporate or licensing association between Florida Blue Roofing LLC and House Top Roofing Inc.
October 15, 2025 — Insurance Producing Agent Communication
Ms. Fordham states that on October 15, 2025, Moshe Mintz of Blue Angel Insurance LLC advised Florida Blue Roofing LLC not to add her as an additional insured due to potential premium increases. She reports that this information was not disclosed to her prior to commencement of work. She identifies Obsidian Specialty Insurance as the commercial insurance carrier associated with the policy.
Work Begins and Issues Arise
Roofing work began and portions of the roof were removed. The contractor claimed extensive wood damage and requested additional payment. Ms. Fordham states that supporting documentation was not provided prior to installation.
Inspection Failure and Work Cessation
A municipal inspection failed. Work ceased without completion of corrective actions, according to the complainant.
Lien Activity
A lien was filed while work remained incomplete. Ms. Fordham reports requesting statutory documentation supporting the lien filing.
Secondary Property Damage
Ms. Fordham reports water intrusion and interior damage due to roof exposure during the period work remained unfinished.
December 9, 2025 — Insurance Claim Handling
Ms. Fordham states that Obsidian Specialty Insurance did not send a claims adjuster to inspect the premises and did not request supporting documentation to investigate the reported property damage. She reports filing a complaint with the Florida Department of Financial Services (DFS) alleging improper claims handling.
January 13, 2026 — Notary Investigation
Ms. Fordham states she is awaiting the outcome of a review by the Governor’s Notary Commission regarding allegations of notarial misconduct involving Ken Berrios and Jillian Santiesteban.
January 31, 2026 — Complaint to State Attorney
Ms. Fordham reports submitting a complaint to the Volusia County State Attorney’s Office requesting review of alleged criminal notarial actions related to a Notice of Commencement and inspection affidavits. She states the complaint concerns potential notary forgery of documents associated with the roofing contract.
February 12, 2026 — Insurance Coverage Position
Ms. Fordham states that Obsidian Specialty Insurance issued correspondence indicating it would not provide legal defense coverage to Florida Blue Roofing LLC in connection with her property damage claim. She reports that she has retained written documentation of this position.
February 12, 2026 — Counsel Communication
Ms. Fordham states that Attorney Michael Lyons, identified as representing Florida Blue Roofing LLC, communicated in writing that he does not represent Jillian Santiesteban. She notes that Ms. Santiesteban’s contractor license was associated with the permit issued under House Top Roofing Inc.
Regulatory Activity
The complainant states that the Florida Department of Business and Professional Regulation is reviewing matters related to licensing and qualifying-agent representations. The existence of regulatory review does not imply a finding of wrongdoing.
Key Issues Documented (According to the Complainant)
- Failure to disclose a roofing license number at contract execution.
- Non-disclosure that neither identified co-owners held an active roofing license.
- Undisclosed reliance on a qualifying agent.
- Permit obtained under a separate corporate entity.
- Conflicting representations regarding qualifying-agent status.
- Inspection failures and incomplete workLien filing during an unresolved disputeInsurance representation and additional insured disclosureSecondary property damage caused by roof exposure
- February 13, 2026: Right of Reply notice sent to parties named in this report.
Requested Resolution
According to Ms. Fordham, she is seeking the following outcomes:
Completion of the roofing project to code-compliant, inspection-passing condition. Ms. Fordham states that as of publication, the roof remains unfinished and has not passed municipal inspection. Fordham must locate another contractor because Obsidian stated they will not indemnity coverage for Florida Blue Roofing LLC or representative for this project.
Removal of the lien filed during the period of incomplete work. A lien was filed while the roofing project remained unfinished and the property was exposed to weather. Ms. Fordham states the lien is unwarranted given the status of the work and is seeking its full release.
Remediation of secondary water damage resulting from prolonged roof exposure. Ms. Fordham reports water intrusion and interior damage that occurred while the roof remained incomplete. She is seeking acknowledgment of responsibility and remediation of the resulting property damage.
Delivery of all required inspection and permit documentation. Ms. Fordham states that documentation necessary to close the open permit has not been provided. She is seeking all records required to bring the project into compliance with municipal permitting requirements.
A formal response addressing the licensing and qualifying-agent representations documented in this report. Ms. Fordham states she was not informed at contract execution that neither co-owner held an active roofing license, that the company intended to rely on a qualifying agent, or that the roofing permit would be obtained under a separate corporate entity. She is seeking a direct, documented response from Florida Blue Roofing LLC addressing these representations.
Ms. Fordham states she has pursued regulatory complaints through the Florida DBPR but has not initiated litigation as of publication. She reports remaining open to direct resolution provided it addresses the issues documented in this report.
Regulatory Context
Residential roofing work in Florida is subject to DBPR licensing requirements, qualifying-agent rules, permitting standards, inspection approval, insurance disclosures, Notice of Commencement rules, and lien statutes. These references are provided for contextual understanding only and do not constitute legal conclusions.
Evidence Referenced or Available (Addendum)
The following materials were provided by the complainant and are referenced for public record purposes. DisputeVoice does not independently authenticate third-party documents.
Copies of written correspondence provided by the complainant include claim submissions, responses, and follow-up communications relating to a third-party property damage claim involving Florida Blue Roofing, LLC. These documents reflect the complainant’s communications with insurance-related entities following reported property damage.
The complainant also provided images of the referenced materials, receipts, and worksite conditions, as referenced in her narrative. These materials are included for contextual reference only.
Additional Records and Supporting Materials
The materials listed below are referenced in this report and may be made available upon reasonable request.
- Executed contract and related communications
- Public business, licensing, and permitting records
- Notice of Commencement filings
- Inspection records
- Lien filings and correspondence
- Insurance correspondence regarding additional insured status
- Photographs and documentation of secondary damage
- Regulatory complaints and acknowledgments
- Not all materials are publicly posted.
Frequently Asked Questions About Florida Blue Roofing LLC
What complaints have been filed against Florida Blue Roofing LLC in Daytona Beach?
Consumers searching this phrase are typically looking for documented disputes, permit issues, or regulatory concerns. This Lighthouse Report details one homeowner’s complaint, including contract execution, permitting activity, insurance communications, and regulatory filings in Volusia County.
Does Florida Blue Roofing LLC have a Florida roofing license?
Florida roofing contractors are regulated by the Florida Department of Business and Professional Regulation (DBPR). At the time of publication, Florida Blue Roofing LLC does not appear to hold an active roofing contractor license in its own company name. Florida law permits operation under a qualifying agent’s license. Consumers should verify license status directly through DBPR records.
Who is the qualifying agent for Florida Blue Roofing LLC?
In Florida, companies without their own license may operate under a qualifying agent’s license. Consumers researching Florida Blue Roofing LLC often ask who the qualifying agent is, what license number is being used, and whether that license is properly associated in state records. Verification can be performed through DBPR and local permitting databases.
Has Florida Blue Roofing LLC pulled permits in Volusia County?
Permit records can be searched through Volusia County’s public permitting system. Consumers researching Florida Blue Roofing LLC frequently review permit history, contractor name listings, and any affiliated companies appearing on building permits.
Is Florida Blue Roofing LLC listed with the Better Business Bureau?
The Better Business Bureau maintains complaint histories and business profiles. Consumers comparing information often review BBB listings alongside state licensing records and independent reports such as this Lighthouse Report.
Has Florida Blue Roofing LLC responded to the allegations in this report?
Florida Blue Roofing LLC was formally offered a Right of Reply prior to publication. Any response received will be published in full in accordance with DisputeVoice editorial policy.
How do I file a complaint against a roofing contractor in Florida?
Homeowners in Florida may file complaints with:
• Florida DBPR (licensing issues)
• Florida Department of Financial Services (insurance claim concerns)
• Florida Attorney General’s Office
• Local building departments in Volusia County
Right of Reply
Response Status Update – February 19, 2026
DisputeVoice received a written response from attorney Michael Lyons, Esquire, of Coronado Law Group, PLLC. The response states that due to potential or pending litigation, counsel is unable to comment, and that Ms. Fordham’s factual allegations and related legal conclusions are denied.
No specific factual corrections, supporting documentation, or requested amendments were provided at this time.
DisputeVoice maintains an open invitation for a documented response. Any submission that includes verifiable supporting materials will be published alongside this report following content-neutral review.
Submit a verified response or additional documentation: support@disputevoice.com
Editorial Notice
This report reflects the complainant’s account. DisputeVoice does not determine compliance, fault, or legal responsibility and publishes reports under established editorial standards consistent with Section 230.
You Are Not the Only One
Where to File Complaints and Find Florida Public Records
Consumers seeking additional information or wishing to file complaints may find the following resources helpful:
https://legacy.myfloridalegal.com/pages.nsf/Main/E3EB45228E9229DD85257B05006E32EC
Public Resources and Reporting Options
Consumers seeking additional information or wishing to file complaints may find the following resources helpful:
https://disputevoice.com/florida-insurance-coverage-basics/
https://disputevoice.com/roofing-consumer-rights/
https://disputevoice.com/home-solicitation-cancellation-rights/
https://www.ftc.gov/media/71268
Better Business Bureau (BBB) Complaint Center
https://www.bbb.org/file-a-complaint
Consumer Financial Protection Bureau (CFPB) Complaint Portal
https://www.consumerfinance.gov/complaint/
DisputeVoice — Consumer Dispute Documentation Platform
https://disputevoice.com/