The Complete Guide to Storm Damage Restoration and Roof Protection in Florida

Living with Storm Risk in Florida

Florida's location makes it uniquely vulnerable to tropical weather. According to NOAA, Florida faces an average of 7 hurricanes per decade making landfall or passing nearby. Hurricane damage has averaged over $20 billion annually in the US over the past decade, with Florida bearing a significant portion of these losses.

Hurricane season runs from June 1 through November 30, but tropical systems can develop any time. Beyond hurricanes, Florida experiences frequent thunderstorms, tornadoes, and flooding events that can damage property. Hailstorms alone cause around $1 billion in damage every year across the United States.

This comprehensive guide covers everything you need to know about preparing for storms, protecting your property during severe weather, and recovering from storm damage.

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Types of Storm Damage

Storms cause damage in several ways, often in combination:

Wind Damage

Wind damage can occur at relatively low speeds and increases dramatically as winds intensify:

• Roof damage: Shingles, tiles, or panels lifted, broken, or blown off
• Structural damage: Walls, soffits, and fascia damaged by wind pressure
• Falling debris: Trees, branches, and airborne objects striking structures
• Window and door damage: Glass breakage and frame damage
• Fence and screen enclosure damage: Often among the first casualties

Water Intrusion

Water enters buildings in multiple ways during storms:

• Roof leaks: Through damaged or missing roofing materials
• Window and door leaks: Wind-driven rain through seals and frames
• Rising water: Storm surge or flooding from heavy rain
• Hydrostatic pressure: Groundwater pushing through foundations

Flooding

Flooding presents unique challenges:

• Storm surge: Seawater pushed inland by hurricane winds
• Flash flooding: Overwhelming drainage systems during heavy rain
• River and lake flooding: Water bodies overflowing their banks
• Tidal flooding: King tides combined with storm conditions

Secondary Damage

Storm damage often leads to additional problems:

• Mold growth: Can begin within 24-48 hours of water intrusion
• Structural deterioration: Ongoing damage from exposed elements
• Pest intrusion: Insects and animals entering through openings
• Theft and vandalism: In unsecured properties

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Hurricane Categories and Expected Damage

Understanding the Saffir-Simpson Hurricane Wind Scale helps you prepare appropriately:

Category 1 (74-95 mph)

• Minor roof damage, loose outdoor items blown around
• Some tree damage, primarily branches
• Power outages possible but usually brief

Category 2 (96-110 mph)

• Significant roof damage to shingles and tiles
• Trees uprooted, especially shallow-rooted species
• Extended power outages likely

Category 3 (111-129 mph) - Major Hurricane

• Major roof damage, potential structural damage
• Many trees uprooted
• Water and electricity unavailable for days to weeks

Category 4 (130-156 mph) - Major Hurricane

• Severe roof and structural damage
• Most trees snapped or uprooted
• Uninhabitable conditions for weeks to months

Category 5 (157+ mph) - Major Hurricane

• Catastrophic damage, many homes destroyed
• Essentially all trees down
• Area uninhabitable for extended periods

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Storm Preparation

Preparation is your best defense against storm damage:

Home Hardening

Long-term improvements that protect your property:

Roof:

• Hurricane straps connecting roof to walls
• Impact-resistant roofing materials
• Proper installation and maintenance
• Secondary water barrier under roofing

Windows and Doors:

• Impact-resistant windows and doors
• Hurricane shutters (manual or automatic)
• Reinforced garage doors
• Entry door deadbolts and reinforcement

Structural:

• Foundation anchor bolts
• Reinforced wall connections
• Proper construction to current Florida Building Code

Before Hurricane Season (June 1)

Annual preparation should include:

• Review and update insurance coverage
• Document your property with photos and video
• Stock emergency supplies
• Test generators and hurricane shutters
• Trim trees and remove dead branches
• Clear gutters and drains
• Identify your evacuation zone and routes

When a Storm Threatens

As a storm approaches:

72 Hours Out:

• Monitor the storm's progress
• Review your emergency plan
• Begin securing outdoor items
• Top off vehicle fuel

48 Hours Out:

• Install hurricane shutters
• Secure or store outdoor furniture, plants, and decorations
• Fill bathtubs and containers with water
• Get cash (ATMs may not work after storm)
• Charge devices and backup batteries

24 Hours Out:

• Complete all preparations
• Move vehicles to protected areas
• Turn refrigerator and freezer to coldest settings
• Know how to turn off utilities
• Evacuate if ordered or if you're in an evacuation zone

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Emergency Roof Protection

If your roof is damaged during a storm, temporary protection prevents additional damage:

Roof Tarping

Professional roof tarping provides emergency weatherproofing:

Why Professional Tarping Matters:

• Proper coverage of damaged areas
• Secure attachment that won't blow off
• Correct overlap and sealing techniques
• Safe installation by trained crews

How Long Tarps Last:

• Quality installation: 30-90 days typically
• Depends on weather conditions and tarp quality
• Not a permanent solution—repair should follow

What to Expect:

• 24/7 emergency response available
• Assessment of damage and tarp requirements
• Installation by trained crews with safety equipment
• Documentation for insurance claims

Shrink Wrapping

For longer-term protection or complex roof geometries:

• Heat-sealed waterproof membrane
• Conforms to irregular shapes
• Lasts 6-12 months or longer
• More expensive but more durable

Board-Up Services

Protecting openings from weather and security risks:

• Windows and doors secured with plywood or polycarbonate
• Prevents water intrusion
• Deters theft and vandalism
• Required by many insurance policies

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Storm Damage Restoration Costs

Understanding costs helps you budget and recognize fair pricing. Acting quickly can save thousands—a $500 repair can balloon to $10,000+ if left unattended due to water damage, mold growth, and structural deterioration.

Emergency Roof Protection Costs

Service	Cost Range
Emergency Roof Tarping (professional)	$750 - $4,200
DIY Tarp Materials (1,500 sq ft roof)	$150 - $350
Shrink Wrapping	$1,500 - $6,000
Temporary Leak Repairs	$300 - $1,200
Board-Up Services	$100 - $300 per opening

Shrink Wrap Cost Breakdown

For shrink wrap roof protection:

• Materials: $0.10 - $1.50 per square foot
• Labor: $1 - $3 per square foot
• Total: $1 - $4 per square foot

For a 1,500 sq ft roof area, expect $1,500 - $6,000 depending on complexity.

Factors That Affect Roof Protection Costs

• Roof size and pitch: Steeper roofs require more labor
• Extent of damage: Larger damaged areas need more materials
• Accessibility: Multi-story homes cost more
• Time of service: Emergency/after-hours rates may apply
• Demand after storms: Prices may increase temporarily

When to Act

Temporary leak repairs: $300 - $1,200 Ignoring the problem: Water damage and mold remediation costs exceeding $10,000

Replacing a few shingles: $500 - $1,500 Waiting until structural damage occurs: $15,000+

The math is clear: immediate action saves money.

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Post-Storm Safety

After a storm passes, safety is the priority:

Before Returning Home

• Wait for official all-clear from authorities
• Watch for road hazards, flooding, and downed power lines
• Don't drive through standing water
• Have your property inspected before occupying if possible

Initial Assessment

When you first return:

• Photograph damage before any cleanup
• Check for structural damage before entering
• Watch for hazards: gas leaks, electrical damage, weakened structures
• Document everything for insurance

Immediate Concerns

Address these issues first:

Safety Hazards:

• Downed power lines
• Gas leaks
• Standing water with electrical sources
• Unstable structures

Preventing Additional Damage:

• Temporary roof covering
• Boarding windows and openings
• Water extraction if flooding occurred
• Removing debris from against the structure

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Flood Damage Restoration

Flood damage requires special consideration:

Flood Water Categories

Category 3 (Black Water): Most flood water is considered Category 3—highly contaminated with sewage, chemicals, and biological hazards. This includes:

• Storm surge and seawater
• River and lake overflow
• Overflowing sewers and septic systems
• Standing water that has become stagnant

Flood Restoration Process

1. Safety assessment: Ensure the property is safe to enter
2. Documentation: Photograph all damage for insurance
3. Water extraction: Remove standing water
4. Debris removal: Remove damaged materials and debris
5. Cleaning and sanitization: Disinfect all affected surfaces
6. Structural drying: Professional drying to prevent mold
7. Reconstruction: Restore the property

What Can't Be Saved After Flooding

Category 3 water contamination means many materials must be discarded:

• Carpet and padding
• Drywall (at least 12" above water line)
• Insulation that got wet
• Upholstered furniture
• Mattresses and bedding
• Particle board furniture
• Food and medications

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Storm Damage Insurance Claims

Navigating insurance after a storm requires preparation and persistence:

Understanding Your Coverage

Homeowners Insurance typically covers:

• Wind damage to structure and contents
• Rain damage through wind-created openings
• Falling trees and debris
• Additional living expenses if displaced

Flood Insurance (separate policy, usually through NFIP) covers:

• Rising water damage
• Storm surge
• Mudslides related to flooding

Hurricane Deductibles:

• Usually a percentage of home's insured value (1-10%)
• Applied per hurricane season, not per claim
• Much higher than standard deductibles

Filing Your Claim

1. Report promptly: Contact your insurer as soon as safely possible
2. Document thoroughly: Photos, videos, written descriptions
3. Make temporary repairs: Prevent additional damage (keep receipts)
4. Don't discard: Keep damaged items until adjuster inspection
5. Get multiple estimates: For comparison and leverage
6. Track everything: Create a claim file with all communications

Working with Adjusters

• Be present for all inspections
• Point out all damage, including hidden areas
• Provide documentation of pre-loss condition
• Ask questions and take notes
• Get everything in writing

If Your Claim Is Denied or Underpaid

• Request a detailed explanation
• Provide additional documentation
• Consider a second opinion on damage extent
• Consult a public adjuster
• Know your policy's dispute resolution process

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Avoiding Storm Chasers and Scams

After major storms, scammers target affected areas. Protecting yourself is essential.

Warning Signs of Storm Chasers

Be cautious of contractors who:

• Show up unsolicited at your door after a storm
• Use high-pressure tactics ("Today only" deals, limited-time offers)
• Request large deposits or full payment upfront
• Have out-of-area license plates or no local presence
• Provide no written contracts or vague estimates
• Offer to waive your insurance deductible (illegal in Florida)
• Can't provide proof of licensing or insurance
• Quote prices significantly below market rates (may indicate shortcuts)

Protecting Yourself from Scams

Verify Credentials:

• Check licenses through Florida's DBPR
• Verify insurance coverage
• Look up the company with the Better Business Bureau
• Check online reviews on multiple platforms

Get Everything in Writing:

• Detailed scope of work
• Itemized pricing
• Timeline for completion
• Warranty information
• Payment schedule

Payment Best Practices:

• Never pay in full upfront
• Use credit cards for additional protection
• Standard practice: 10-30% deposit, balance upon completion
• Be wary of cash-only requests

Red Flags That Demand Immediate Concern:

• Requests to sign over insurance benefits
• Offers that seem too good to be true
• Contractors who discourage you from getting other estimates
• Pressure to make immediate decisions
• No physical business address

Why Local Companies Matter

Local restoration companies offer significant advantages:

• Established reputations to protect in the community
• Familiar with local building codes and permit requirements
• Available for warranty work and follow-up
• Relationships with local suppliers for faster repairs
• Understanding of regional insurance practices
• Accountability to local customers and regulators

What to Do If You've Been Scammed

• Document everything related to the transaction
• Contact your bank or credit card company
• File a complaint with Florida Consumer Services: 1-800-435-7352
• Report to the Better Business Bureau
• Contact local law enforcement for significant fraud

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Building Resilience

After storm damage, consider improvements that reduce future vulnerability:

Roof Improvements

• Impact-resistant shingles or metal roofing
• Proper hurricane clips and straps
• Improved underlayment
• Ridge vents designed for high winds

Window and Door Upgrades

• Impact-resistant windows and doors
• Permanent hurricane shutters
• Reinforced garage doors

Property Modifications

• French drain systems for better drainage
• Elevation of utilities and HVAC equipment
• Flood-resistant building materials below flood level
• Improved landscaping to reduce wind-borne debris

Insurance Considerations

• Many improvements qualify for insurance discounts
• Document all improvements for claims purposes
• Consider increased coverage if property value increases

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Emergency Resources

Know these resources before you need them:

Official Sources

• National Hurricane Center: hurricanes.gov
• Florida Division of Emergency Management: floridadisaster.org
• Your county emergency management website
• FEMA: fema.gov

After a Storm

• FEMA disaster assistance: DisasterAssistance.gov or 1-800-621-3362
• Florida Consumer Services: 1-800-435-7352 (contractor complaints)
• Insurance complaints: Florida Office of Insurance Regulation

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Conclusion

Storm damage is an unfortunate reality of living in Florida, but proper preparation, quick response, and professional restoration can minimize the impact on your property and your life.

If your property has sustained storm damage, don't wait. Water damage begins immediately, mold can start growing within 48 hours, and unsecured properties face additional risks. A $500 repair today can prevent $10,000+ in damage tomorrow.

Contact our team for emergency assistance—we're available 24/7, respond quickly throughout South Florida, and have the equipment and expertise to protect and restore your property.

Remember: Preparation saves property, quick response saves costs, and professional restoration saves your investment. Take action before the next storm, and know who to call when you need help.

Contact us for emergency storm damage assistance – Available 24/7.