Hurricane Roof Damage & Insurance Claims in Florida — A Homeowner’s Guide
If a storm damaged your roof in Miami-Dade or Broward, what you do in the first 72 hours affects both your home and your claim. Canopy Roofing is a licensed contractor that works alongside your insurance claim — honest documentation, code-compliant repairs, no inflated scopes.
Storm damage? Get a documented inspection first
Licensed & insured · Serving Miami-Dade & Broward County
Miami-Dade: (786) 523-4999 · Broward: (754) 331-1561
What To Do After the Storm
1. Mitigate immediately
Florida policies require you to prevent further damage. Get the roof tarped — see emergency tarping. Keep every receipt; mitigation is typically reimbursable.
2. Document everything
Photos and video of the roof, attic, ceilings, and yard debris — dated. Our inspection report gives your adjuster exactly what they need.
3. Notify your carrier promptly
Florida law (SB 76) generally gives you 1 year from the date of loss to file a new hurricane claim — but sooner is always stronger.
4. Get an independent contractor estimate
An itemized, code-compliant scope from a licensed roofer keeps the carrier’s numbers honest and speeds up settlement.
Florida Rules That Affect Your Claim
The 25% rule: since SB 4-D (2022), if your roof was built to the 2007 code or later, damage over 25% of a roof section no longer automatically forces full replacement — repairs may be allowed. HVHZ: Miami-Dade and Broward are High-Velocity Hurricane Zones — repairs need NOA-approved materials and permits. 15-year underwriting: insurers can require inspections on older roofs; a documented repair history helps keep you insured. We handle permits and NOA compliance on every job.
Frequently Asked Questions
Should I call a roofer or my insurance company first?
Call a roofer for emergency mitigation first if water is entering, then notify your carrier. A pre-claim inspection tells you whether the damage even exceeds your hurricane deductible.
Will my rates go up if I file?
Filing a claim can affect renewal, which is why an honest inspection matters — if repair costs are near your deductible, paying out of pocket may be smarter. We give you real numbers either way.
Do you handle the insurance claim for me?
Florida restricts assignment of benefits (AOB). You remain in control of your claim; we provide the inspection report, photos, itemized estimate, and meet your adjuster on site.
What if my claim is underpaid or denied?
You can request re-inspection, provide our independent estimate, or engage a licensed public adjuster. Our documentation supports all three paths.
How long do hurricane roof repairs take?
Tarping happens in days; permitted repairs typically follow in 2–6 weeks depending on county permit volume after a storm.
Areas We Serve
Book your free storm damage inspection
Licensed & insured · Serving Miami-Dade & Broward County
Miami-Dade: (786) 523-4999 · Broward: (754) 331-1561
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