Severe weather is a reality of doing business in Florida. From hurricane-force winds and heavy rain to flying debris and hail, every storm season puts commercial and multi-family roofs to the test.
Even if your property appears unharmed, storm damage isn’t always visible from the ground. Undetected issues can lead to leaks, tenant complaints, interior damage, and insurance disputes later on.
If you manage or own a commercial property, here’s what to do when a storm hits, how to recognize the signs of a storm-damaged roof, and how to navigate inspections and insurance with confidence.
What to Do If Your Roof Is Damaged in a Storm
Safety and documentation come first. Follow these steps after a major weather event:
- Stay safe on the ground – Avoid climbing on the roof. Storm debris and slick shingles are hazardous.
- Inspect from the perimeter – Walk around your home, noting missing shingles, bent flashing, dented gutters, or fallen branches.
- Check interior spaces – Look for ceiling stains, active leaks, or wet insulation in tenant areas, mechanical rooms, and hallways. Even if the roof looks intact, hidden moisture often appears indoors.
- Document everything – Take clear photos and videos of visible damage, both inside and out.
5. Schedule a roof audit – Contact Best Roofing to assess the extent of the damage as soon as safely possible after major storms. Roof inspections should be performed by manufacturer-trained or licensed roofing contractors to maintain warranty eligibility and ensure accurate documentation for insurance and compliance.
6. Prevent further damage – If water intrusion occurs, request emergency tarping to protect occupied units and minimize business disruption. A licensed contractor should always install temporary tarping to ensure proper anchoring and avoid damage that could affect manufacturer warranties or code compliance.
What Does a Storm Damaged Roof Look Like?
Storm damage isn’t always dramatic. Here are common signs professionals look for:
- Wind damage: Lifted membranes, torn flashing, displaced ridge caps, or missing tile sections.
- Hail damage: Dents or pockmarks on shingles, granule loss exposing black asphalt, dents in metal vents and gutters.
- Rain intrusion: Stains on ceilings, wet insulation, or musty odors in the attic.
- Debris impact: Broken tiles, punctures in underlayment, localized soft spots on the deck.
- Standing water: Ponding on flat or low-slope sections, often caused by clogged gutters or poor drainage.
If you see any of these signs or even suspect hidden damage, it’s best to schedule a professional inspection before problems escalate.
Should You File a Claim for Roof Damage?
Filing a claim depends on the extent of the damage, your deductible, and your insurance policy type.
- Deductible amount – If repairs cost less than your deductible, filing a claim won’t provide a benefit. Florida hurricane deductibles are often higher than standard deductibles, so know your policy limits.
- Policy type (ACV vs. RCV) – An Actual Cash Value (ACV) policy pays only the depreciated value of your roof. A Replacement Cost Value (RCV) policy covers what it costs to replace the roof with a new one, minus your deductible.
- Claim history – Too many small claims can affect future premiums. Save insurance for significant damage that requires major repair or replacement.
A trusted roofing contractor can help you determine whether your storm damaged roof is claim-worthy before you contact your insurance provider.
How Much Does Insurance Pay for Roof Damage?
If your claim is approved, here’s what to expect:
- ACV policies: One payment based on the depreciated value, minus your deductible.
- RCV policies: Two payments—one upfront for ACV, and a second (recoverable depreciation) after proof of replacement.
Your roofer may need to submit a supplement if the insurer’s estimate doesn’t cover code-required materials, updated fastening systems, or other labor not originally included. This ensures full compliance with Florida Building Code and manufacturer warranties.
Storm Response Checklist for Property Manager
Keep this list handy after a storm:
- Photos of roof surface damage, flashing, and debris impacts
- Documentation of interior leaks or ceiling stains in tenant spaces
- Records of fallen branches, clogged drains, or displaced rooftop equipment
- Your insurance policy details, including deductible and ACV/RCV coverage
- Roofer’s inspection report and estimate
- Receipts for any emergency mitigation or tarping services
Florida-Specific Tips for Storm Damaged Roofs
- Act quickly – Schedule inspections as soon as safely possible after the storm.Storm evidence fades over time, making claims harder to document.
- Emergency tarping – Prevent additional water damage and protect your claim by securing tarps professionally.
- Code compliance – Florida building codes require specific underlayment, secondary water barriers, and proper ventilation. Ensure your contractor follows them.
- Beware of out-of-town contractors – Storm-chasing companies often flood affected areas. Choose a local, licensed roofing company with proven experience in Florida’s climate.
FAQs About Storm Damaged Roofs
How soon should I inspect my roof after a storm?
Within a few days. The faster you act, the easier it is to document damage for insurance.
What if the adjuster calls the damage “cosmetic”?
Ask your roofer to distinguish cosmetic issues from functional damage, such as broken seals or punctures. Functional damage is more likely to qualify for coverage.
Will insurance pay for a full roof replacement?
If damage is widespread and your policy covers replacement cost, yes. However, every policy has exclusions and conditions.
Can I fix small leaks myself?
DIY fixes may void warranties or insurance claims. Always use a licensed professional.
Why Florida Property Managers Choose Best Roofing
- For over 46 years, Best Roofing has helped commercial property owners, managers, and associations protect their assets through hurricanes, hailstorms, and tropical events.
- Thorough inspections with photo documentation to support your insurance claim
- Emergency tarping services to protect your property immediately
- Licensed, insured crews trained to meet Florida building codes and manufacturer requirements
- Long-term solutions backed by strong warranties
When storms strike, timing and trust matter. Best Roofing delivers both.
Take the Next Step
Schedule Your Post-Storm Inspection
If you suspect a storm damaged roof, don’t wait for the next rainfall to confirm it.
Schedule a professional roof inspection with Best Roofing today.
We’ll document your damage, guide you through the insurance process, and ensure your roof repairs meet current code and warranty standards, so your building stays protected long after the storm passes.
