Storm damage · Tampa Bay
Storm damage to your roof? Take these steps in order.
After wind or hail, the first job is safety, then documentation, then a licensed roofer. Request an estimate once you're safe.
Request a roof estimate1. Stay safe
Keep away from downed lines and don't climb onto the roof. Check ceilings for sagging or water before entering rooms below damaged areas.
2. Document everything
- Photograph and video the roof from the ground, plus any debris and interior damage.
- Note the date and the storm.
- Keep receipts for tarps, water removal and other temporary protection.
3. Limit further damage
Your policy likely expects reasonable steps to prevent more damage, such as a tarp over an opening. Have a roofer install it if it means going on the roof.
4. Talk to your insurer
Report the claim through your insurer's process and read what your policy covers. Florida law prohibits contractors from offering you gifts or incentives to file a roof claim, and newer homeowner policies limit assignment of benefits, so be wary of anyone who wants to take over your claim.
5. Hire a licensed roofer
After a storm, out-of-area crews and door knockers appear. Verify every company on the Florida DBPR license search, get the scope in writing, and don't pay large deposits before work is scheduled.
Questions people ask
How do I know if my roof has storm damage?
Look from the ground for missing shingles or tiles, lifted edges, dents on metal or vents, and debris in gutters. Inside, look for new stains. A roofer can confirm what you can't see.
How long do I have to file a claim?
Florida sets deadlines for property claims, and your policy may add its own conditions. Check with your insurer as soon as you can.
Should I wait for the adjuster before repairs?
Make temporary repairs to prevent more damage and keep receipts. Ask your insurer before permanent repairs.