Storm Damage & Insurance Claims

Florida weather doesn’t go easy on roofs. Here’s what to do if a storm hits yours.

After the Storm Passes

Once it’s safe, take a look from the ground – missing shingles or tiles, dented metal panels, debris, or visible sagging are all signs you need a closer inspection. Don’t climb onto the roof yourself, especially if there’s standing water or structural damage you can’t see from below. A professional inspection can catch problems that aren’t obvious, like lifted flashing or cracked tiles that will leak the next time it rains.

Filing an Insurance Claim

Document everything before any repairs start – photos and video of the damage, inside and out. Most homeowner policies in Florida cover sudden storm and wind damage, though coverage details vary by policy, so it’s worth reading yours or calling your agent with specific questions. A written roof inspection report can support your claim and give the adjuster a clear picture of what happened.

Why Timing Matters

Storm damage that looks minor can let water into the roof deck and attic over time, turning a small repair into a much bigger one. Getting an inspection soon after a storm – even if everything looks fine from the ground – is one of the simplest ways to avoid a surprise later.