Storm & Hurricane Roof Damage in Florida

The First Hours After Storm Damage

Call us first. Before you climb anything or call anyone else, get us on the phone. A metal panel that’s been lifted or a seam that’s opened up lets water in fast, and water does more damage inside your house than the wind did to the roof. We can get an emergency tarp on to stop the leak, usually the same day during storm season.

Then stay off the roof. It’s slippery and may be structurally weakened after a storm. That is not a place to be standing. Photograph what you can see from the ground and from inside your attic, with the date showing. Those photos matter later.

How We Document the Damage for You

Once the tarp is on and the house is protected, we put together the record you’ll need: dated photos of the damage, a written roof condition report, and an itemized repair or replacement estimate you can include with your claim submission.

The claim itself stays between you and your insurance company, and that’s how it should be. We don’t act as a public adjuster, and we don’t handle the claim for you. Our job is to make sure you walk into it with solid documentation, a clear price, and a roof that’s protected in the meantime. If you want a fuller walkthrough of what damage looks like on metal and how the insurance timeline works in Florida, our storm damage repair guide covers it.

Why Metal Holds Up When the Wind Comes

Florida homeowners ask us straight up: will a metal roof actually survive a hurricane? The honest answer is that no roof is guaranteed against a direct hit from a major storm. But a properly installed metal roof is one of the toughest systems you can put over your head.

Standing seam is the benchmark. The fasteners hide under the panel and the seams lock together, so there are no exposed screws for the wind to work loose and no screw holes for wind-driven rain to find. We install systems tested to wind-uplift standards like ASTM E1592 and UL 580, carrying Florida Product Approval for use under the Florida Building Code. Panels are rated to handle winds of 140 mph and up.

If your current roof took damage, that tells you something about how it was built. A lot of the storm failures we see trace back to an older exposed-fastener install where the clips or screws let go at the edge. Replacing it with a wind-rated system built to current code is how you stop repeating the same repair every season. For homes near the water, from Melbourne Beach down to Vero Beach, we spec marine-grade aluminum that won’t corrode in the salt air.

Wind Mitigation and Your Insurance

Here’s the part a lot of homeowners miss. Florida law requires insurers to offer credits for roofs built to modern wind-resistance standards, and a metal roof installed to current code usually qualifies. After the work is done, a licensed inspector can complete a wind mitigation report (Form OIR-B1-1802) that you send to your insurer to apply for the credit.

Your exact savings depend on your carrier and your policy, so we won’t promise a number. What we can tell you is what the inspection looks at and how a new roof scores on it. The credit stays between you and your insurer. We just build the roof that earns it.

Storm Services Across the Space Coast and Treasure Coast

• Emergency tarping to stop water intrusion, usually same day during hurricane season.
• Full storm damage inspection with a written roof condition report and dated photos.
• Metal roof repair for lifted panels, loosened clips, and damaged flashing.
• Wind-rated replacement when the damage runs past a repair, documented for both your claim and your wind mitigation credit.

We handle storm response across Central and Eastern Florida, from Orlando and Daytona Beach through Melbourne, Palm Bay, Vero Beach, and Port St. Lucie. Every job is done by our licensed and insured crew (FL License CCC1337805), and storm documentation support comes with it.

Not sure yet whether you’re looking at a repair or a full replacement? Start with our storm damage repair guide, then request a free storm damage inspection when you’re ready. We’ll get you documented and protected.