Storm Damage Roof Repair.
Storm damage roof repair: type your Florida address, see the storm damage on record for that roof, and get repair quotes from Florida roofers.
Start with the record for the house, then send a repair request through the estimator to partner Florida roofers. Your roof age, material and storm history sit on the same free report.
Florida storm claim deadlines.
Florida law puts a clock on every roof claim, counted from the date of loss. Mark that date down before you book the repair.
| Claim law | SB 2-A, part of Florida's 2022 insurance reforms |
| New or reopened claim | Report it no later than 1 year after the date of loss |
| Supplemental claim | Report it within 18 months |
| Assignment of benefits | Ended for residential policies issued on or after January 1, 2023; the claim stays with you |
The storm record for your address.
Storm history in the roof report covers named hurricanes and tropical systems.
The record shows which storms passed the house. A roofer documents the damage on the roof itself.
Type your address, read the record, then request repair quotes.
- Roof age. From the re-roof permit, or an estimate when no permit exists. Have it ready when you talk to the adjuster.
- Flood and surge zones. Your FEMA flood zone and storm-surge evacuation zone, lettered A to E.
When a repair becomes a replacement.
Florida's repair rule decides how far the work has to go once the damage passes a set share of the roof.
The 25% rule
Repair or replace over 25% of the roof in a 12-month span, and the remaining roof has to meet current code.
Roofs built to the 2007 code
Since 2022, a roof that meets the 2007 Florida Building Code or a later edition needs repair on the damaged section only.
Repairs add up
Separate repairs inside the same 12 months count toward that 25% together.
Common questions.
Write down the date the storm hit and photograph the damage before anything is moved or patched, since the claim clock counts from that day. Then type your address to pull the roof age and storm history, and request repair quotes from partner Florida roofers through the estimator. Keep every photo and quote with your claim papers.
That depends on how your policy settles the claim. Under replacement cost value, the insurer covers the cost of replacing the damaged roof, while under actual cash value it deducts depreciation for age and wear. Your roof age on record is where that depreciation starts, and your policy documents name the method your insurer uses.
Only if it was a named hurricane or tropical system, the storms the report's history covers. The report holds no hail data at all, and it records the storm itself with no detail on what the wind did to your roof. Damage from any storm still needs a roofer or adjuster to see it and document it on the roof.
This page lists no repair prices, because the cost depends on what the roofer finds on your roof. Partner Florida roofers quote the work once you request repairs from the estimator. The lookup and the estimator are free, with no signup and no email, and you can compare the quotes side by side before you choose.
Asphalt shingle in Florida lasts about 15 to 20 years, and tile and metal go longer. If your roof is near the end of that span, ask for a replacement quote beside the repair quote and compare the two. Your report shows the roof age and material to judge by.