Published October 12, 2026 · Epoch Roofing
After a hurricane or major storm, it's easy to look up, see your roof still in place, and assume everything is fine. But wind can lift shingles, crack tiles and loosen flashing in ways you can't see from the ground, and Florida's deadlines for filing a hurricane roof insurance claim are shorter than many homeowners realize.
This guide explains the current Florida deadlines, the steps to take after a storm, and how a local roofer can help you document the damage. We're roofers, not attorneys or public adjusters. This article is general information, not legal advice. Always read your policy and consult a licensed professional about your specific claim.
Florida's claim deadlines (s. 627.70132, Florida Statutes)
Florida Statute 627.70132 sets the deadlines for giving your insurer notice of a property claim. Under the current statute:
- New or reopened claims: Notice must be given to your insurer within 1 year after the date of loss.
- Supplemental claims (additional damage from the same event that was already adjusted or is being repaired): Notice must be given within 18 months after the date of loss.
- Date of loss for storms: For hurricanes, the date of loss is the date the hurricane made landfall. For tornadoes, windstorms, severe rain or other weather events, it's the date the event was verified by NOAA.
These shorter deadlines apply to policies issued or renewed on or after December 16, 2022. Older policies may have had longer deadlines, but by now most homeowners' policies have renewed under the current rules. Check your policy's effective date if you're unsure.
Bottom line: If you think your roof was damaged in a storm, don't wait. Get it inspected and notify your insurer well before the one-year mark.
Step-by-step: what to do after a hurricane
1. Stay safe
Don't climb onto a wet or damaged roof. Watch for downed power lines and damaged trees. Your safety comes first.
2. Prevent further damage
Your policy likely requires you to take reasonable steps to prevent more damage, such as getting a tarp on an open area. Keep receipts for any emergency repairs. If you need help, see our storm damage services.
3. Document everything
- Take photos and video of the outside of your home, the yard (debris, fallen tiles or shingles) and any interior water stains.
- Note the date of the storm and when you first noticed the damage.
- Keep a simple log of calls and emails with your insurer.
4. Get a professional roof inspection
Much storm damage, like lifted shingles, broken seals, cracked tiles and loose flashing, can only be seen up close. A roofer can walk the roof and photograph what they find. At Epoch Roofing, we document the roof with photos and explain the damage in plain language, so you know what you're dealing with before you file. Learn more about our roof inspections.
5. Notify your insurance company
Report the claim to your insurer according to your policy, within the deadlines above. Ask for your claim number and the name of your adjuster.
6. Meet the adjuster
The insurance company will usually send an adjuster to inspect the roof. It helps to have your roofer's photos available, and many homeowners like to have their roofer present for the inspection.
7. Review the estimate and choose your contractor
You choose who repairs or replaces your roof. Make sure the contractor holds a valid Florida license and carries insurance, and get the scope and price in writing.
Signs your roof may have storm damage
- Missing, creased or lifted shingles
- Cracked, slipped or broken tiles
- Shingle granules collecting in gutters or at downspouts
- Bent or missing drip edge, flashing or ridge caps
- Water stains on ceilings or in the attic
- Debris impacts from branches
Even without a leak, damage can shorten the life of your roof. Read what our customers say on our reviews page, and our post on the signs you need a new roof in Florida covers more warning signs.
What insurance usually doesn't cover
Insurance is designed for sudden, accidental damage from covered events like hurricanes and windstorms. It generally does not cover a roof that is simply old, worn out or poorly maintained. Your deductible, which for hurricanes is often a percentage of your dwelling coverage, also applies. Read your policy carefully.
Frequently asked questions
How long do I have to file a roof claim in Florida?
Under Florida Statute 627.70132, notice of a new or reopened property claim must be given within 1 year after the date of loss, and a supplemental claim within 18 months, for policies issued or renewed on or after December 16, 2022.
When does the clock start after a hurricane?
For hurricanes, the date of loss is the date the hurricane made landfall. For other weather events, it's the date the event was verified by NOAA.
Can I still file a claim if my roof isn't leaking?
Yes. Storm damage doesn't always cause an immediate leak. If you believe your roof was damaged, have it inspected and notify your insurer within the deadline.
Do I have to use the roofer my insurance company recommends?
No. You choose your contractor. Make sure they hold a valid Florida license and carry insurance.
Does Epoch Roofing negotiate my claim?
No. We don't give legal advice or negotiate claims. We inspect and document the roof, explain the damage, and repair or replace it.
Get your roof checked before the deadline
If a storm has passed through Sarasota, Manatee, Charlotte, Lee or Collier County, a free roof inspection is the best first step. Epoch Roofing is a Florida State Certified Roofing Contractor (FL License #CCC1332554). Call (866) 606-4049, email info@epochroofing.com, or request a free inspection.