Tampa Bay homeowners: here’s what the 2026 storm season looks like, plus how to get your roof, your policy, and your post-storm plan ready. From Roof X.

Florida is heading into another active storm season. The forecasts are out, the Gulf water is already warm, and if you live in Tampa Bay, your roof is the single biggest variable between a noisy weekend and a four-figure repair bill.

We’ve spent the last decade replacing, repairing, and tarping Tampa roofs after every named storm from Irma to Milton. The pattern doesn’t change much. The houses that come through clean are usually the ones whose owners did three or four small things back in May. The houses that don’t come through clean are often still fixable, but only if the homeowner moves quickly and documents everything well.

Here’s an honest 2026 outlook, plus the prep checklist we share with homeowners who ask.

What forecasters are saying about 2026

The major seasonal outlooks from NOAA’s National Hurricane Center and Colorado State University both point to an above-average Atlantic season. The drivers are familiar: warmer-than-average sea-surface temperatures in the main development region, neutral-to-La-Niña conditions in the Pacific, and reduced wind shear over the Caribbean.

For Tampa Bay specifically, that doesn’t mean a guaranteed direct hit. It means a higher chance of a brushing storm, a tropical-storm-force wind event, or a hurricane passing within 150 miles. Those near-misses can do almost as much roof damage as direct hits, because homeowners assume “it didn’t really hit us” and skip checking the roof afterward.

A few numbers worth remembering:

• The official Atlantic season runs June 1 through November 30.
• Tampa Bay’s peak risk window is mid-August through mid-October.
• The average storm damage claim in Hillsborough County after a major event runs $8,000 to $30,000, with most of that being roof and water-intrusion repair.

What Tampa storms actually do to your roof

After every named storm, we get the same surprised phone calls: “I thought the roof was fine.” It usually isn’t.

Here’s what we see most:

• Lifted shingles. Wind doesn’t have to tear shingles off to ruin them. A 70 mph gust can break the seal strip underneath, leaving the shingle flapping invisibly until the next rain pushes water under it.
• Cracked tiles. Flying debris such as palm fronds, branches, or a neighbor’s pool umbrella can crack tiles without dislodging them. From the ground it looks fine.
• Underlayment punctures. Most tile leaks aren’t tile failures, they’re underlayment failures. Our tile roofing page explains why.
• Ridge-cap failure. The ridge of your roof is the highest-load point in any storm. We replace more ridge caps than any other single component in October and November.
• Flashing separation. Around chimneys, skylights, and stack vents, sealants wear out over time. Wind-driven rain finds those gaps every time.
• Soffit and fascia damage. Wind getting under the eaves can lift entire soffit runs and let water into your attic.

The frustrating part is that most of this damage is invisible from your driveway. You need someone on a ladder to find it, which is what our free roof estimate is for.

The pre-season roof check (do this in May)

If you do nothing else this month, do this list. Most of it takes a homeowner 30 minutes from the ground with a pair of binoculars. Anything you can’t see clearly, we can come look at for free.

1. Walk the perimeter and look up. Note any obviously curled, missing, or discolored shingles. Photograph anything that looks off.
2. Check your gutters. A handful of granules is normal. A gutter full of asphalt grit means your shingles are running out of life and may not survive a real storm.
3. Look at every penetration. Plumbing stacks, bathroom vents, attic fans, satellite dish mounts. The rubber boots on those crack and split with age. Most are 8–10 year items.
4. Check the attic from inside. Look up at the underside of the roof deck on a sunny day with the lights off. Any pinpoint of daylight is a problem.
5. Trim trees. Anything overhanging the roof should come back at least six feet. Falling limbs are one of the biggest causes of storm-aftermath roof damage we see.
6. Photograph everything now. Pre-storm photos are worth their weight in gold during a claim. Get the full roof, all four elevations, every penetration, and the interior ceilings of every room.

If your roof is over fifteen years old or hasn’t been looked at recently, schedule a free pre-season estimate before June 1. We offer a free estimate within 48 hours, document what we find, and tell you plainly what’s worth fixing now and what can wait.

If you’d rather just call and talk it through, the team is at (813) 590-1124.

Insurance considerations going into season

Florida’s homeowners’ insurance market has been turbulent. Carriers have left, premiums have moved, and the rules around roof claims have changed more than once in the last few years.

Before June, take twenty minutes and review your declarations page. Specifically:

• Hurricane deductible. This is usually a percentage (2%, 5%, or 10%) of your dwelling coverage, not a flat dollar amount. On a $400,000 dwelling, a 5% hurricane deductible is $20,000 out of pocket before the policy pays a dime. Know your number.
• Roof coverage type. Florida policies are increasingly written with Actual Cash Value (ACV) for roofs over a certain age (often 10 or 15 years), instead of Replacement Cost Value (RCV). ACV is depreciated, so your 18-year-old shingle roof might be insured for a fraction of what a new one costs. If yours is ACV, plan accordingly.
• Roof age threshold. Some carriers in Florida won’t renew roofs over 20–25 years old, regardless of condition. If you’re getting non-renewal letters, your roof’s age is usually why.
• Wind mitigation credits. A current wind mitigation report (good for five years) can save you 20–45% on the wind portion of your premium. If yours has expired, get a new one done.
• Public adjuster vs. roofer language. Florida law restricts how contractors can communicate about claims. We can still assess, document, and repair, and we can speak with your adjuster about the scope of work. But we’re not allowed to negotiate the claim itself. We explain that boundary clearly on our insurance claim page.

If you’re not sure where you stand, the Florida Office of Insurance Regulation maintains consumer guides that walk through these terms in plain English.

What to do during a storm

Most of what you can do is already done by the time the storm hits. But a few things matter:

• Don’t go on the roof, ever, during a storm. This sounds obvious. People still do it. Don’t.
• Move vehicles away from trees and out from under the roof’s drip line if hail or large debris is forecast.
• Take interior photos of every room before you lose power. If water comes through the ceiling, you’ll want a “before” image for the claim.
• Note the start time of any leak. Water stains have age signatures, and an adjuster will ask. “It started Tuesday around 4pm during the bands” is a much better answer than “sometime that week.”
• Stay off social media for damage reports if you can. It’s emotionally exhausting and often wrong. Trust the National Weather Service feed.

Post-storm: the first 48 hours

This is where things get decided. Most insurance outcomes are shaped in the first two days after a storm.

Hour 0–6: Once it’s safe, walk your property. Look up. Photograph everything. Don’t go on the roof. Use a phone with a long zoom or a pair of binoculars. Document the entire perimeter, all four elevations, your gutters, your soffits, and any obvious debris.

Hour 6–24: Call your insurance carrier and open a claim. You don’t need a damage estimate yet, just a claim number. The clock starts ticking, so document the call: agent name, time, claim number, and what they told you.

If you have active leaks or roof openings, call us at (813) 590-1124. Our emergency roof repair team tarps Tampa-area roofs around the clock during storm response, and we document the damage on the way up and again after the tarp is in place. Keep all those photos, since the adjuster will want them.

Hour 24–48: Schedule your insurance adjuster’s visit, and schedule a free roof estimate from an independent roofer (us, ideally) around the same time. Our storm damage assessment is free, with photos, a moisture check, and a chalk line to mark affected areas.

If your damage is significant, it helps to have both visits happening close together so the documentation lines up. We’ve worked on hundreds of claims and know what adjusters typically look for, and we’ll point those things out without overstating anything.

For step-by-step claim guidance, our storm damage insurance walkthrough covers the whole process from the first phone call to the check.

The first week, and the next 30 days

After the immediate emergency passes, your job shifts from triage to follow-through.

• Don’t sign anything in the first week. Storm-chaser contractors tend to show up fast after any major event. They’ll offer to “handle everything” for a contingency fee or a hurricane-damage recovery agreement. Read everything. Sign nothing without time to think it over.
• Get a second opinion on any total-replacement quote from a contractor you didn’t already know.
• Verify license and insurance. Florida licensed roofing contractors have a CCC number (ours is #CCC1330839). You can verify any license through the Florida DBPR website in about a minute.
• Track every expense. Tarps, hotel stays if you evacuate, water mitigation, ruined drywall. All of it can go on the claim if your policy includes Additional Living Expense or Loss of Use coverage.

Building Tampa Bay storm resilience

A roof isn’t a one-and-done purchase. In Florida, it’s more of an ongoing relationship. The houses we’ve worked with the longest, the ones with owners who check in every two or three years, tend to come through storms with minor scratches while the neighbors are tarped for months.

The pattern is simple: small, regular maintenance beats big, expensive emergencies. Get a roof check annually. Replace what’s tired before it fails. Trim the trees. Re-seal the flashings every five to seven years. Replace the underlayment when it’s time, even if the tiles still look fine. Keep the photos.

We do this work every day in South Tampa, Brandon, Riverview, Wesley Chapel, and Clearwater. Our crews are W-2 employees, not subcontractors, with decades of combined experience between them, and our work is backed by a 10-year workmanship warranty.

Get your free pre-season roof estimate

If your roof hasn’t been looked at in over a year, get it on the calendar before June 1. We offer a free estimate within 48 hours of your call, with a detailed photo report and an honest conversation afterward about whether repair, replacement, or waiting makes the most sense for your situation.

Call (813) 590-1124 or request your free estimate through the contact page.

A Tampa storm damaged your roof. Here’s the order to do things in: documenting, calling the carrier, working with the adjuster, and getting paid fairly.

The shingles are scattered in your yard. Water is dripping into the kitchen. You’ve never filed a claim like this before, and the first 48 hours matter a lot for whether you get a fair settlement or a long back-and-forth.

Here’s what to do, in order.

We’ve handled a lot of Florida roof insurance claims over the years. Most go smoothly when the homeowner moves quickly and documents everything well. The ones that drag on are usually the ones where a step got skipped on day one.

This is a long guide because the details matter. Worth bookmarking.

Before you file: the 24-hour action plan

A common mistake is calling the insurance carrier before stabilizing the property and documenting the damage. Once you open the claim, the clock starts, so you want to be ahead of it.

Within the first hour after the storm passes:

• Confirm everyone is safe.
• Walk the perimeter from the ground. Don’t get on the roof. Don’t enter rooms with sagging or stained ceilings.
• Take wide photos of all four sides of the house. Get the yard, the driveway, the trees, and any debris.
• If water is coming through a ceiling, place buckets and towels, move furniture, and photograph the active leak.
• If you have an active hole in the roof or water coming in, call us at (813) 590-1124. Our emergency roof repair crew tarps Tampa roofs around the clock during storm events, and we document everything before, during, and after.

Within the first six hours:

• Take detailed photos of every damaged area.
• Make a written, time-stamped list of everything you’ve noticed: missing shingles, ceiling stains, broken tiles in the yard, soffit damage, gutter damage.
• Locate your insurance policy and pull the declarations page. You’ll need the carrier name, policy number, agent contact info, deductible amounts, and what type of coverage you have on the roof (RCV vs. ACV, more on this below).

Within the first 24 hours:

• Mitigate further damage. Tarps go on, buckets get placed, and wet drywall gets removed only if it’s already collapsing. Don’t throw anything away. Debris is evidence.
• Save every receipt: tarps, plywood, bottled water if you lost power, hotel stays, anything related to the damage.
• Open the claim with your carrier. The number is on the dec page or your insurance card.

Documenting damage properly

Adjusters work from photos and notes. The better your documentation, the more confident they are that the scope they write reflects reality. Thin documentation tends to lead to a tight scope that misses things.

Five rules of documentation:

1. Date and time. Your phone does this automatically if location services are on. Check that geotagging and timestamps are enabled before the storm hits.
2. Multiple angles for everything. A damaged shingle deserves three photos: wide (showing the elevation of the house), medium (showing the slope), and close (showing the damage itself).
3. A reference object. Place a tape measure, pencil, or coin next to small damage so the scale is obvious.
4. Interior and exterior. Any claim with water intrusion needs both: the entry point on the roof and the result inside.
5. Volume over curation. Take 200 photos. You can delete bad ones later, but you can’t go back and re-photograph once the tarp is on.

See our storm documentation guide for a full shot list by elevation, penetration, and interior room. Print it and keep it somewhere handy.

Calling your insurer

Pick a quiet moment. Have your dec page in front of you and a notepad open.

When you call, stick to the facts. The script is roughly:

“Hi, I need to open a homeowners claim. We had storm damage to our roof from the storm on [date]. There’s [active leak / missing shingles / fallen tree on the roof]. I have photos. I need a claim number and the next steps.”

Write down:

• Date and time of the call
• Name of the agent or rep
• Claim number
• The adjuster’s name, if assigned during the call
• What you were told happens next
• Any deadlines mentioned

Don’t speculate about cause. Don’t estimate the cost of the damage. Don’t say “the roof is old.” Stick to what you observed.

Florida has specific timelines under FS 627.70131. Your insurer must acknowledge the claim within 14 days, begin its review within 14 days, and give a settlement decision within 60 days. Keep track of these dates in a claim journal.

If something feels off, such as long delays, missed callbacks, or conflicting information from different reps, the Florida Department of Financial Services has a consumer helpline and a complaint portal. Don’t hesitate to use either one.

Working with your adjuster

The adjuster will schedule a visit to your property to write a scope of repair and an estimate. They’re professionals, but they work for the carrier, not for you.

Before the adjuster arrives:

• Have a roofer look at the roof first if you can. We offer a free roof estimate and can walk the roof with proper safety gear and a moisture meter, mark damage, photograph everything, and prepare a written report. Having that report, and ideally our presence, at the adjuster meeting can change the conversation.
• Be home for the visit. Walk the property with the adjuster, point things out, and avoid arguing. Just make sure they see what you see.
• Share your photos and notes. Instead of dumping 200 photos on them, provide an organized summary with the most important shots highlighted.

During the adjuster’s visit:

• Take photos of the adjuster on the roof and the tools they use. It sounds unnecessary, but it has settled disputes before, like confirming which slopes were actually reviewed.
• Note what the adjuster says about cause. Terms like “wear” or “hail” matter a lot for whether the damage is covered.
• Don’t agree to anything verbally. “I’ll review the report when I receive it” is a complete sentence.

After the adjuster’s visit:

• The adjuster sends a Scope of Loss and an estimate. Read both line by line.
• Compare it against your roofer’s report.
• Note anything missing, undervalued, or marked “wear and tear” that your roofer attributes to storm damage.

Reviewing your settlement

The settlement letter is the most important document in the claim. Read every line.

Check three things:

1. Coverage type. Is the carrier paying Replacement Cost Value (RCV) or Actual Cash Value (ACV)? RCV pays what it costs to replace. ACV subtracts for the roof’s age. On an 18-year-old roof, ACV can be 40-60% lower than RCV.
2. Scope completeness. Does the estimate include underlayment, drip edge, ice-and-water at penetrations, code-required upgrades, ridge ventilation, debris haul-off, permits, and tax? Florida code (FBC and FBC-R) often requires items that an adjuster’s software doesn’t automatically add. Missing line items are a common source of underpayment.
3. Math. Add the line items yourself, subtract the deductible, and compare to the check amount. Carriers make math errors, and it’s on you to catch them.

If something looks wrong, you don’t have to accept it. You can dispute it, ask for a re-review, or invoke the appraisal clause in your policy.

What to do if your claim is denied or underpaid

A fair share of Florida roof claims come back denied or underpaid on the first pass. Don’t panic. There are ways to push back.

Step 1: Read the denial letter carefully. It must state a specific reason. “Wear and tear,” “pre-existing damage,” and “maintenance issue” are the three most common ones, and each has a counter.

Step 2: Ask for a re-review. You’re allowed to. Ask in writing and state that you have additional documentation, such as your roofer’s report, that wasn’t reviewed.

Step 3: Get an independent expert opinion. A licensed roofing contractor or a public adjuster can write a counter-report. We do this regularly for Tampa homeowners working through the insurance claim process, based on what we measured, photographed, and tested on the roof.

Step 4: Invoke the appraisal clause. Most Florida homeowners’ policies include an appraisal provision: each side picks an appraiser, the two appraisers pick an umpire, and the three resolve scope disputes outside of litigation. It’s faster and cheaper than a lawsuit and works well for scope and value disagreements, though not for coverage denials.

Step 5: File a complaint with the Florida DFS. The DFS consumer complaint portal is free, doesn’t require an attorney, and carriers take it seriously.

Step 6: Hire an attorney as a last resort. Florida’s bad-faith and unfair claims handling laws give homeowners real leverage, but litigation is slow and expensive. Most claims resolve without it.

Common Florida claim pitfalls

Some of the mistakes we see most often:

• Waiting too long to file. Florida law gives you a window to report (currently one year for hurricane claims, less for other claims), but the practical window is shorter. Photos degrade, memory degrades. File within days, not weeks.
• Throwing away debris. Don’t. Pile it neatly somewhere on the property until the adjuster has seen it.
• DIY repairs before documentation. Patching the roof before photos are taken can hurt the entire claim.
• Signing an Assignment of Benefits (AOB) you don’t understand. AOBs were heavily regulated in Florida in 2019 and again in 2022. Some are legitimate, and some hand your entire claim to a contractor with no oversight. Read the fine print, and don’t sign one in your driveway.
• Talking too much to the adjuster. Be honest, be brief, and stick to facts. Don’t volunteer narratives. “I noticed the leak Wednesday morning” beats “well, the roof has been weird since the kitchen remodel three years ago.”
• Accepting the first check as final. It often isn’t. RCV claims are usually paid in two parts: ACV upfront, with depreciation withheld until repairs are completed and invoices are submitted. If you only received the ACV check, you may be owed the depreciation balance after the work is done.
• Letting the deductible eat the claim. If your damage is close to your hurricane deductible, filing may not be worth it. If it’s well above, file, but run the math honestly.

When to hire a public adjuster vs. a roofer

This is a question we get often, and the honest answer is that it depends on the claim.

A public adjuster is a licensed professional who represents you, not the carrier, in the claim. They typically charge 10-20% of the settlement. Worth considering when:

• The damage is significant (over $20,000 estimated)
• The carrier has denied or low-balled the first estimate
• The claim involves multiple coverage areas (roof plus interior, contents, and ALE)
• You don’t have the time or patience to fight it yourself

A roofing contractor (us) can:

• Provide a free roof estimate and document damage thoroughly
• Provide a written scope and estimate the carrier will accept
• Communicate with your adjuster about the technical scope of repair
• Repair or replace the roof to code, with full documentation

What we cannot do under current Florida law (post-SB 76 and follow-on legislation): negotiate the settlement amount, advertise to “handle your claim,” or accept payment as a percentage of the recovery. The line between roofer and public adjuster is drawn clearly, and we respect it. Anyone telling you otherwise is taking a legal risk you don’t want to share.

For most homeowners with straightforward roof damage, a good roofer is enough. For complex or contested claims, a public adjuster plus a roofer is often the right combination.

A quick comparison: RCV vs ACV settlements

If your roof is over 10-15 years old, check your declarations page now to see whether your carrier has placed your roof on ACV. That single line on your policy can be the difference between a rough month and a real financial setback.

When to call us

Call us at (813) 590-1124 any time you need a free roof estimate in Tampa, Brandon, Riverview, Wesley Chapel, or Clearwater. We’ll get you a free estimate within 48 hours of the call, with a detailed photo report, and we’ll tell you honestly whether your damage looks worth filing a claim for, marginal, or clearly significant.

We don’t charge to walk an adjuster through a roof, and we don’t charge to write a scope. We charge for the work we do once a claim is funded, and that work is documented, code-compliant, and backed by our 10-year workmanship warranty.

For an overview of how the claim process works and how we help at each stage, see our Florida roof insurance claim help page. If you’re in the Tampa area, our insurance claim hub covers the local process with checklists you can download.

We’re a family-owned company with W-2 crews, no subcontractors, and a Florida license (CCC1330839). We’re glad to help.

Hurricane season runs June 1 through November 30, with the peak stretch for Tampa Bay falling between August and October. By the time a storm shows up on the cone, you’re usually looking at somewhere between 72 hours and a couple of days to get ready.

Most homeowners overthink this. The real list is short. Here’s what actually matters on the roof, and what you can skip.

The pre-season check (do this in May)

This is the single highest-value item on the list. A few minutes with a roofer in May can save real money in November.

What to look at:

• Shingles, tiles, or panels. Anything cupped, cracked, lifted, missing, or sliding.
• Penetrations. Vents, stacks, skylights, satellite mounts. Check the rubber boots and the seal around them.
• Flashing. Chimneys, valleys, sidewalls. Flashing is where a large share of leaks start.
• Ridge cap. The highest-load part of the roof. Ridge caps often wear out before the rest of the roof does.
• Soffits and fascia. Wind getting under the eaves is one of the most common storm-failure points.
• Gutters and downspouts. Clogged gutters during a hurricane back water up under the shingles. Clean them in May.

If it’s been over twelve months since someone looked at your roof, schedule a free roof estimate before June 1. We offer a free estimate within 48 hours of your call. We’ll walk you through what we see: if the roof looks solid, we’ll say so. If something’s worn, we’ll show you what and suggest the smallest reasonable fix.

Call (813) 590-1124 to get on the May calendar before it fills up.

The 72-hour-out checklist

Once Tampa is in the cone of uncertainty, you have a few days. This is when most of your prep should happen.

1. Trim trees. Anything overhanging the roof should be cut back at least six feet. Dead branches anywhere on the property need to come down. Falling limbs cause more roof damage than wind alone.
2. Bring in or tie down everything outside. Patio furniture, planters, grills, kids’ toys, pool toys, decorative rocks. In sustained winds, anything not secured can become a projectile aimed at your roof or windows.
3. Photograph everything. All four sides of the house, every room interior, every closet, the inside of the garage. Pre-storm photos make insurance claims much easier. Time-stamped phone photos with location services on work well.
4. Locate your insurance dec page. Pull it now. Note your policy number, claim phone line, and deductibles, especially the hurricane deductible, which is usually a percentage of dwelling coverage.
5. Shutter or board vulnerable openings. A blown-in window or door pressurizes the house and is one of the leading causes of roof failure during hurricanes. Use shutters or 5/8-inch plywood, properly fastened.
6. Top off the gas tanks in your vehicles. Power outages mean closed pumps for days.

The 24-hour-out checklist

The storm is coming. Last calls.

• Charge everything. Phones, battery packs, laptops, headlamps. Power outages in Tampa Bay often last three to ten days after a major storm.
• Fill bathtubs with water for sanitation use during outages.
• Move vehicles out from under trees and away from large windows.
• Clear gutters one last time. Pine needles and palm debris from the early bands clog gutters fast.
• Identify your safe room. An interior room on the lowest floor without windows. A closet, bathroom, or hallway works.
• Run a final phone backup of important photos, documents, and files to the cloud.
• Print or screenshot key contacts. Your insurance agent’s number, your roofer’s number (ours: (813) 590-1124), your neighbors, your family.
• Stay off the roof. Anything you didn’t already do is now too late. Don’t get on a ladder in the wind.

Inside the house, prep for known problem spots

If you have a history of roof leaks, prepare for it.

• Pre-position buckets and towels in every room with a known leak history.
• Move furniture and rugs away from walls or floors near old leak points.
• Photograph ceilings in every room before the storm. If a ceiling stains later, the “before” picture is valuable.
• Cover electronics and important paper documents with plastic sheeting or move them.
• Have tarps and rope on hand. A 20×30 blue tarp from any hardware store and 50 feet of rope can buy you some time after a roof opening. We carry heavier tarps and the right fasteners, but if it’s the middle of the storm, the basic ones work too.

Emergency contacts to have ready

Tape this list inside your kitchen cabinet. Print it. Photograph it. You’ll be glad you did when the power’s out and your phone’s at 4%.

• Insurance carrier claims line. From your dec page
• Your insurance agent. Direct number
• Roof X storm line, (813) 590-1124
• TECO outage reporting, 877-588-1010
• Hillsborough County Emergency Management, 813-272-6900
• Pinellas County Emergency Management, 727-464-3800
• Pasco County Emergency Management, 727-847-8137
• Two close neighbors. Names and numbers
• One out-of-state contact. Local lines clog after storms; out-of-state messaging usually still works

What not to do

A few common mistakes worth avoiding:

• Don’t tape your windows. The X pattern doesn’t help, and it can actually create larger glass shards if the window breaks. Use shutters or plywood instead.
• Don’t get on the roof during the storm or right after if it’s wet, windy, or dark. Falls from roofs are a leading cause of post-hurricane injuries.
• Don’t sign anything in your driveway in the 72 hours after a storm. Storm-chaser contractors tend to show up fast. Read everything, sleep on it, and verify Florida licenses (look for a CCC number; ours is #CCC1330839) on the DBPR website.
• Don’t throw away debris before the adjuster has reviewed it. Pile it on the lawn and photograph it.
• Don’t run a generator inside or near windows. Carbon monoxide poisoning kills more people than wind during Florida storms. Run generators 20 feet from the house, downwind.
• Don’t drive through standing water. Six inches of moving water can sweep a small car. Two feet can sweep an SUV.

After the storm

Once the wind drops below 35 mph and the sun’s up, walk the perimeter from the ground. Don’t climb. Photograph everything you see. Post-storm photos serve as separate evidence from your pre-storm set.

If you see damage or have an active leak, call us at (813) 590-1124. Our emergency roof repair crews tarp and dry out Tampa-area homes around the clock during storm response. We document the damage before, during, and after the tarp goes on, and that record feeds directly into your insurance claim.

For a step-by-step on what to do in the first 48 hours, our storm damage page walks through how the process works, what gets documented, and how the report ties into your claim.

If you need to start a claim, the Tampa insurance claim guide lays out the process from your first phone call to the final settlement check.

Get on the calendar before June

The free pre-season roof check is the highest-leverage item on this list, and our May calendar fills up fast.

Call (813) 590-1124 or request your free estimate through our website. We offer a free estimate within 48 hours, with a real look at your roof and a straightforward answer on what’s solid, what’s worn, and what’s worth fixing before the first named storm of the season.