Hurricane & Storm Damage Roof Repair in Miami-Dade County, FL

How Our Storm Damage Roofing Process Works

No surprises, no pressure. Here's what to expect from start to finish.

1. 1

   Free Damage Assessment

   We inspect the full roof, photograph all storm damage before touching anything, and identify both visible and hidden uplift damage that an untrained eye can miss.

2. 2

   Emergency Tarping

   We secure heavy-duty tarps over exposed decking and damaged areas immediately to stop interior water intrusion while permanent materials are sourced.

3. 3

   Insurance Documentation

   We provide a detailed written scope of loss with photos and measurements that you submit to your insurer — and we work directly with your adjuster if needed.

4. 4

   Repair or Replacement

   Licensed crews complete the permanent repair or full replacement to Miami-Dade HVHZ code with all required permits pulled.

5. 5

   Final Inspection & Warranty

   County inspection passed, warranty documents issued, and a post-repair walkthrough so you understand exactly what was done and why.

Storm Damage Roofing FAQs — Miami

Common questions about storm damage roofing in Miami-Dade County.

Does Florida homeowners insurance cover hurricane roof damage?

Yes — wind and hurricane damage to your roof is typically covered under a standard Florida homeowner's policy. Most policies have a separate hurricane deductible (usually 2–5% of your home's insured value) that applies to named-storm claims. Document damage before making any temporary repairs, contact your insurer promptly, and get a licensed contractor's assessment before accepting any settlement. We work with adjusters regularly and can provide supplemental estimates when initial settlements fall short.

What should I do first after hurricane roof damage in Miami?

First, stay safe — do not get on the roof during or immediately after a storm. Once conditions are safe: (1) photograph all visible damage from the ground; (2) place buckets or towels to catch interior leaks; (3) contact your insurer to open a claim; (4) call a licensed roofer for emergency tarping and a professional damage assessment. Do not attempt to make permanent repairs before your insurer has documented the damage — premature repairs can complicate your claim.

What is the 25% roof rule in Florida?

Florida Building Code requires that if 25% or more of your roof is damaged or replaced within a 12-month period, the entire roof must be brought up to current code — which typically means a full replacement rather than spot repairs. This protects homeowners from getting repeated partial patches on an end-of-life roof. During our damage assessment, we'll tell you where your damage stands relative to this threshold and give you an honest recommendation on repair vs. replacement.

How quickly should I report storm roof damage to my insurance company?

Report storm damage to your insurer as soon as it is safe to do so — ideally within 24–72 hours of the storm. Florida law generally gives homeowners up to 3 years to file a property insurance claim, but delays can complicate documentation and coverage decisions. Your policy may also have specific notice requirements. When in doubt, open the claim immediately and text us for an emergency assessment — we'll document everything you need.

How long does it take to get a roof repaired after a hurricane in Miami?

Emergency tarping can be deployed within hours of your call. Permanent repairs for wind damage affecting a section of the roof typically take 1–3 days once materials arrive. After major hurricanes, roofing crews across Miami-Dade are in high demand — scheduling can take 1–3 weeks for non-emergency permanent repairs. A full roof replacement takes 2–5 days of work plus 1–2 weeks for Miami-Dade permitting. Tarping protects your home while you wait for permanent repairs.

What Miami-Dade building codes apply to storm damage roof repairs?

All roof repairs and replacements in Miami-Dade must comply with the Florida Building Code and Miami-Dade's High Velocity Hurricane Zone (HVHZ) standards — the strictest residential building code in the country. Storm damage repairs require permits if they exceed 25% of the roof area. All materials must carry a Miami-Dade Notice of Acceptance (NOA). We handle all permitting as part of every job; never hire a contractor who suggests skipping the permit on storm-related work.