After weather
Storm damage
Dry the house in, document what happened, and do not sign away the claim on the driveway.
Central Florida’s storm season is wind, a falling limb, and rain that finds the one flashing that was already tired. It is not only named hurricanes. The response is the same: stop the water, record the damage, and separate a repair from a replacement with a straight face.
A sane order
- Photograph the roof, the ceilings, and the date
- Tarp or dry-in what is actively leaking if it is safe to do so
- Call your insurer and ask what they need before anyone “handles the claim” for you
- Get a scope that names deck, underlayment, and cover, not a single number on a napkin
Florida restricted assignment of benefits for property claims. A contract that lets a third party collect your insurance money is a legal document. Read it, or don’t sign it. We would rather be the contractor who does the roof than the signature on an AOB.
What a storm does not decide
A storm does not by itself prove the whole roof must be replaced, and a sales visit does not by itself prove it must not. The deck and the membrane decide. If they are done, replacement is the repair. If a limb punched a hole in a young roof, a real repair is the repair.
The homeowner checklist is the before list. This page is the after list.