After the Hurricane: Roof Damage and Insurance Claim Guide

The days after a hurricane decide how much of your roof damage gets paid for. Here is the order we recommend to Central Florida homeowners.

Signs of hurricane roof damage

Missing or creased shingles, exposed underlayment, lifted ridge caps, bent metal panels, cracked or missing tiles, dented vents, granules piled at downspouts, and new ceiling stains or attic moisture.

Florida claim deadlines

Under current Florida law, new property claims generally must be reported within 1 year of the date of loss and supplemental claims within 18 months. Report as soon as possible — earlier claims get faster adjuster visits.

Avoid storm chasers

Out-of-state crews arrive after every major storm. Verify a Florida license on the DBPR website, never sign an Assignment of Benefits, and never pay a large deposit before materials are delivered. Matata is a year-round Apopka business, FL CCC1337212.

Step by step

  1. Stay safe and off the roof. Inspect from the ground and watch for downed power lines.
  2. Photograph everything. Exterior, attic, ceilings and debris — with dates.
  3. Stop active leaks. Get an emergency tarp on within 24 hours. Florida policies require you to prevent further damage.
  4. Report the claim. Call your carrier and get a claim number.
  5. Get an independent inspection. A licensed roofer documents the damage with drone photos before the adjuster visits.
  6. Meet the adjuster with your roofer. Have your contractor on-site so nothing is missed.
  7. Review the scope. Compare the adjuster's estimate with your roofer's and request a supplement if items are missing.

FAQ

How long do I have to file a hurricane roof claim in Florida?

Generally 1 year from the date of loss for a new claim and 18 months for a supplemental claim under current Florida law. Report as soon as possible.

Should I call my roofer or my insurance company first?

Report the claim to your carrier, then have a licensed roofer document the damage before the adjuster visits. Matata's drone inspection is free.

Will insurance pay for a new roof after a hurricane?

If the hurricane damaged the roof and the damage is covered, the carrier pays the repair or replacement cost minus your hurricane deductible. Florida's 25% rule and matching statute can turn a partial repair into a full replacement.

Hurricane Roofing Center · (321) 444-5191 · FL CCC1337212