Hail & Wind Damage Roof Repair in Bradenton

Florida’s Deadlines for Storm Damage Insurance Claims

Under Florida Statute 627.70132, property insurance claims are subject to firm reporting deadlines. A new or reopened claim is barred if the insurer doesn’t receive notice within one year after the date of loss. For supplemental claims covering additional damage from the same storm, that window extends to 18 months. For hurricane, tornado, windstorm, or severe rain claims, the date of loss is defined as the date the storm made landfall or was verified by the National Oceanic and Atmospheric Administration.

These deadlines are strict, and missing one can affect your ability to recover through a claim. Scheduling an inspection quickly after a storm is one straightforward way to help protect that window.

What to Do in the Hours After a Storm

Before we arrive, stay off the roof. A storm-damaged roof can be structurally compromised in ways that aren’t visible from above. Instead, photograph any exterior damage you can see safely from the ground: missing shingles, dented gutters, debris impact, and anything displaced by wind. Those photos matter because insurers rely on prompt, well-documented evidence of loss when evaluating a claim.

If you need to make a temporary repair to prevent further water intrusion, document the damage first, then make the repair. Reporting the damage promptly after that can help protect your ability to file within Florida’s one-year notice deadline.