Storm damage and your insurance claim.

The first 48 hours

1. Stay off the roof. Take photos of the damage from the ground and inside your home, such as ceiling stains or wet insulation.
2. Call us for emergency tarping. Covering the damage keeps it from getting worse, and your insurer expects you to take reasonable steps to prevent more damage.
3. Let your insurance company know about the damage. Do it in writing and keep a copy.
4. Don't sign anything from a contractor who knocks on your door. More on that below.

Claim deadlines in Florida

You must notify your insurer of a new or reopened claim within 1 year of the date of loss, and of a supplemental claim within 18 months of the date of loss.

The clock starts on the day of the storm, not the day you notice a leak. If a named storm hit your area, write down the date.

What we provide for your claim

• Dated photos of each part of the roof and any damage inside.
• A written damage report that describes the cause and the area affected.
• An itemized estimate your adjuster can review line by line.
• The permit record for your current roof, so its age is documented.
• An invoice for any emergency tarping, which your policy may cover.

Current storms

For active storms, watches and warnings, check the National Hurricane Center.