Storm Damage Roof Repair in Orlando

Hail, Wind and Hurricane Roof Damage

Wind damage

Wind lifts shingle tabs, creases them and breaks the seal strip. A creased shingle lies flat again afterward and looks normal from the ground, but it has lost its bond and will blow off or leak in the next storm. Ridge caps and the edges of the roof take the worst of it.

Hail damage

Hail bruises the asphalt mat and knocks granules loose at each impact. The shingle is not punctured, so the damage is easy to miss on a quick walkthrough, yet each bruise is a bare spot that degrades faster in the sun. It takes close-up photos on the roof to document it.

Hurricane and tree damage

Hurricanes strip shingles in sheets, tear off ridge vents and drive rain under flashing. Fallen limbs puncture the deck. Both need the opening covered right away. Our emergency roof repair crew handles tarping.

What to Do After a Storm Damages Your Roof

1. Stay off the roof. Photograph and video what you can see from the ground and inside: missing shingles, debris, ceiling stains.
2. Stop further damage. Your policy expects reasonable steps to protect the home, such as tarping an opening. Keep receipts.
3. Get the roof inspected. A dated photo record made soon after the storm ties the damage to the event. Book a roof inspection.
4. Notify your insurer and ask about your deductible and next steps.
5. Get a written, itemized estimate before agreeing to any work. Be wary of anyone who knocks on the door with a contract in hand.

Florida Roof Insurance Claim Deadlines

Under section 627.70132 of the Florida Statutes, you have one year from the date of loss to give notice of a new or reopened property claim, and 18 months for a supplemental claim. Miss the window and the claim is barred.

Section 627.70131 sets the insurer's clock: acknowledge a claim within 7 days, begin its investigation promptly, and pay or deny within 60 days of receiving notice, barring factors beyond its control.

Florida policies also carry a separate hurricane deductible, usually 2, 5 or 10 percent of the dwelling coverage. On $300,000 of coverage, a 2 percent deductible is $6,000. Your declarations page shows which you have.

What we do, and what we leave to others

We inspect, document the damage with photos, write an itemized estimate, and can meet the adjuster on the roof to point out what we found. Florida law does not allow a roofing contractor to interpret your policy, advise you on coverage or negotiate a claim for you. That is the job of your insurer, your agent, a licensed public adjuster or an attorney. We will not ask you to sign over your insurance benefits.

How to Spot a Storm Chaser

• No Florida licence number. Look up any roofer at myfloridalicense.com. Roofing licences start with CCC.
• An offer to waive, pay or rebate your deductible. That is a felony in Florida.
• Pressure to sign today, or a contract with blank spaces.
• No permit. Every re-roof in Florida requires one.
• A large deposit in cash before materials arrive.
• No local address or references.