Storm & hurricane damage in Broward
What to do after storm damage
First, safety and water. Stay off the roof and have a licensed contractor tarp any opening. Then document everything: photos and video of the roof, the attic and every stain inside, with dates. Keep the receipts for tarping and any emergency work.
In Florida, a new property claim generally has to be reported to your insurer within one year of the date of loss, so don't wait. Be careful with anyone knocking on doors after a storm. Florida law bars roofing contractors from offering to waive or pay your deductible or giving you gifts to file a claim, and on policies issued since January 1, 2023, you can no longer sign your claim benefits over to a contractor.
I'm not a public adjuster and I don't negotiate claims. I help you understand the roof, get the damage documented properly and get honest repair or replacement pricing from a licensed contractor.
- Report a new claim
- Generally within 1 year of the date of loss
- Deductible waivers
- Illegal for roofing contractors to offer
- Assignment of benefits
- Not allowed on policies issued since Jan 1, 2023
- Hurricane season
- June 1 to November 30
Broward building code
Storm repairs still follow Broward code
Emergency work can happen fast. Permanent repairs and replacements still go through the same HVHZ rules as any other job.
Stop the water first
A properly secured tarp limits damage inside and shows your insurer you acted to prevent further loss.
Permitted and approved
Permanent repairs use HVHZ-approved products and, beyond minor work, a permit and inspections.
Age still matters
Roofs permitted after March 1, 2009 can usually be repaired in sections. Older roofs fall under the 25% rule.
Know your number
Florida policies usually carry a separate hurricane deductible, often a percentage of your dwelling coverage. Know yours before deciding whether to file.
General information, not legal, engineering or insurance advice. Your city's building department and your policy have the final word. Read the full Broward code guide →
Process
How it works
Dry in
A licensed contractor tarps openings to stop water getting in.
Document
Photos, video and dates of the roof, attic and interior.
Know your policy
Your deductible and deadlines, so you can decide whether to file.
Repair right
Permitted, approved repair or replacement from my network.
Questions
Storm & hurricane damage questions from Broward homeowners
Should I file an insurance claim for roof damage?
It depends on the damage compared with your deductible. Hurricane deductibles are often a percentage of your dwelling coverage, which can be thousands of dollars. Getting an honest repair price first helps you decide.
How long do I have to report roof damage in Florida?
A new claim generally has to be reported within one year of the date of loss. Reopened or supplemental claims have their own deadline. Check your policy and report sooner rather than later.
A roofer offered to cover my deductible. Is that okay?
No. Florida law bars roofing contractors from offering to waive or pay your deductible or giving you incentives to file a claim. Treat that offer as a red flag.
Do you handle the insurance claim for me?
No. I'm not a public adjuster. I help you understand the roof, document the damage and get licensed repair pricing. If you need someone to negotiate your claim, talk to a licensed public adjuster or an attorney.
Where I work
Storm & hurricane damage in every Broward city
Pick your city for local permit, HOA and neighborhood notes.
Coastal Broward
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