Living in Florida means enjoying plenty of sunshine, but it also means facing the reality of severe weather—especially during hurricane season. High winds, heavy rain, and flying debris can cause serious damage to your roof, and knowing what to do in the aftermath can save you time, money, and stress.

At Superior One Roofing, we believe preparation and the right steps after a storm make all the difference. Here’s a homeowner’s guide to protecting your property and navigating the insurance process smoothly.

1. Assess the Damage Safely

The first instinct after a storm may be to rush outside and check the roof. Don’t climb on the roof yourself. Conditions may still be unsafe, and even small structural issues can make it dangerous.

• Check from the ground for missing shingles, damaged flashing, or debris. 
• Look inside your home for water stains on ceilings or walls, damp insulation, or leaks in the attic. 
• Document everything with clear photos and videos—both inside and outside. These will help with your insurance claim. 

2. Review Your Insurance Policy

Every homeowner’s insurance policy is different. Take time to:

• Confirm coverage: Does your policy include wind, hail, or fallen tree damage? 
• Check deductibles: Know how much you’ll be responsible for out of pocket. 
• Understand replacement terms: Policies may cover either Replacement Cost Value (RCV—full replacement) or Actual Cash Value (ACV—depreciated value). 

3. Contact Your Insurance Company

Once you’ve documented the damage, file a claim promptly to avoid delays. When contacting your insurance provider:

• Be ready with the date of the storm, description of damage, and your photos/videos. 
• Keep a record of every conversation, claim number, and representative’s name. 

4. Be Present During the Adjuster’s Inspection

Your insurance company will assign an adjuster to inspect the damage. This inspection is crucial in determining the amount of your claim.

• Schedule a time when you or your roofing contractor can be present. 
• A professional roofer can point out damage that might otherwise be overlooked and ensure you get a fair assessment. 

5. Choose the Right Roofing Contractor

This step is where homeowners often make the biggest mistake—hiring the wrong roofer. After a storm, “storm chasers” from out of town often flood affected areas offering quick, cheap repairs.

Instead:

• Choose a local, licensed, and insured roofing company with a reputation in the community. 
• Select a contractor who is experienced in working with insurance claims to help guide you through the process. 

Final Tips for Homeowners

• 🚫 Avoid storm chasers. They often disappear as quickly as they arrive. 
• 📝 Keep records of all communications, estimates, and receipts. 
• ❓ Ask questions. Your insurance provider and roofing contractor should be your partners, not your stress. 

Superior One Roofing: Here When You Need Us

When storms hit, you need more than just a roofer—you need a trusted partner. At Superior One Roofing, we’re local, family-owned, and dedicated to protecting our community here on the Space Coast and surrounding counties.

📞 Call us today at 321-209-9092 for a free post-storm inspection.
We’ll help you assess the damage, work with your insurance company, and restore your roof with the Superior By Design service we’re known for.