Storm Damage Roof Repair & Insurance Claims
When a Gulf Coast storm hits your roof, we inspect it, document the damage, and meet your insurance adjuster on site - so your claim is built right and nothing gets missed. Serving Pensacola, Cantonment, and all of Escambia & Santa Rosa counties.
Hit By A Storm? Here's What To Do.
Stay safe and stay off the roof. From the ground, photograph anything that looks damaged and any water coming inside, move belongings away from leaks, and put a bucket under active drips. Then call us for an inspection before you file - documenting the damage properly is what makes a claim go smoothly. And be cautious of anyone who shows up uninvited after a storm asking you to sign over your claim.
Signs Of Storm Damage On Your Roof
Some wind and hail damage is obvious; some you can't see from the ground. After a major storm, these are the things to look for - and the reasons a professional inspection is worth it even when the roof looks fine.
Missing or lifted shingles
Shingles torn off, cracked, curled, or pushed up by wind - the most common and visible storm damage here.
Granules in the gutters
Piles of sandy granules in gutters and at downspouts mean the protective surface is wearing off the shingles.
Leaks & ceiling stains
Water spots on ceilings or walls, or damp insulation in the attic, point to a breach that's already letting water in.
Dented flashing & vents
Dents or bruising on metal flashing, vents, and gutters are tell-tale signs of hail and flying debris.
Debris in the yard
Shingle pieces, granules, or metal in the yard after a storm usually means something came off the roof.
Our Storm & Insurance Process
Free storm inspection
We inspect the roof, attic, and exterior, then photograph and itemize every bit of damage into a clear report you can keep.
We meet your adjuster on site
We walk the damage with your insurance adjuster so the scope reflects what's actually wrong - not a drive-by estimate.
Scope & approval
Once the claim is approved, we review the scope with you, confirm materials and color, and pull the county permit.
Repair or full replacement
Our crew completes the work to Florida Building Code wind requirements, protecting your property and cleaning up daily.
Final walkthrough & warranty
We do a final inspection with you and register your GAF warranty, so the new roof is covered for the long haul.
Roof Insurance Claims In Florida
Florida's roof-insurance rules have changed a lot in the last few years. Here's the short, honest version - and where we come in.
Usually covered
Sudden, accidental damage from a named event - hurricane and tropical-storm wind, wind-driven rain, hail, and falling debris. That's what most storm claims are built on, and what we document for you.
Usually not covered
Gradual wear, age, neglected maintenance, or pre-existing damage. Documenting the storm as the cause - promptly and thoroughly - is what separates a paid claim from a denied one.
Watch the filing deadline
Under recent Florida law, a new claim generally must be filed within one year of the date of loss, and supplemental or reopened claims within eighteen months. We inspect right away so you're never racing the clock.
Know your deductible & payout
Florida policies often carry a separate hurricane deductible, and many now pay actual cash value instead of full replacement cost on older roofs. We'll walk you through exactly what yours says before work starts - no surprises.
This is general information, not legal or insurance advice - your policy and your adjuster have the final word. We're glad to help you read the situation.
We Know Gulf Coast Storms
Hurricane Sally came ashore right here in 2020 and stripped roofs across Escambia and Santa Rosa counties; Ivan did it in 2004. Living on the Gulf Coast means living with that risk every season - and it means insurers and adjusters scrutinize roof claims closely. We've been documenting and rebuilding storm-damaged roofs in this market since 2011, so we know what the carriers expect and how to make sure your claim reflects the real damage.
Get Your Free Storm InspectionAnswers Before You File
What should I do right after a storm damages my roof?+
How long do I have to file a hurricane roof claim in Florida?+
How do I know if my roof has storm damage?+
Will filing a roof claim raise my insurance rates?+
Do you work with all insurance companies?+
Storm Damage Doesn't Wait. Neither Do We.
Get a free storm inspection from a local, GAF Certified Plus team that handles the damage and the claim - so you don't have to.
Schedule My Free InspectionOffering A Rebate For Our Military
GAF's "Roofs For Troops" program is offering a $250 rebate to our active military, veterans, and retirees when they install a qualifying GAF roofing system and purchase an Enhanced Warranty. We urge you to learn more about this special offer and take full advantage of it.
Rebate Details