Hurricane damaged your roof: immediate action steps
- Call CFDR 24/7: 321-420-7274 — emergency tarping is typically deployed within 2–4 hours of your call.
- Do not go on the roof yourself — storm-damaged roofs are structurally compromised and extremely dangerous.
- Turn off electricity to any rooms where water is actively entering from ceiling breaches.
- Move electronics, documents, furniture, and valuables away from active drip areas and cover with plastic.
- Photograph all roof damage, all interior water intrusion, and all affected rooms and contents before anything is moved.
- Call your homeowners insurance carrier to report the claim — give them the date of the storm, the type of damage, and your claim number is issued immediately.
- Save all receipts for emergency expenses (tarping, hotel, food) — your ALE coverage reimburses these if the home is uninhabitable.
Hurricane damaged your roof
and water got in.
A breached roof in a Florida hurricane is one of the most time-critical situations in restoration. Every hour of rain entry means more damage to insulation, ceilings, walls, and floors — and mold starts growing within 24 hours. Here's the full playbook.
What happens from the call to move-back-in.
Stop the water entry. Call CFDR and get emergency tarping deployed. Every inch of rain that gets through multiplies interior damage.
Your pro photographs all damage before anything is moved or cleaned. This is the foundation of your insurance claim.
Remove wet insulation. Deploy industrial dehumidifiers and air movers in attic and affected rooms. Moisture mapping identifies full extent.
Equipment runs continuously. Daily moisture readings confirm progress. Equipment stays until framing and materials reach baseline moisture levels.
Your pro meets the adjuster on-site with a complete Xactimate estimate. Having professional documentation accelerates claim approval.
New roofing, insulation, drywall, and finishes. Timeline varies by scope. Your matched pro manages all phases under one contract.
Insurance, mold, and what to expect.
Does homeowners insurance cover hurricane roof damage and water intrusion in Florida?+
Yes — wind-caused roof damage and the resulting interior water damage are covered by standard Florida homeowners policies (HO-3). However, your hurricane deductible applies — typically 2–5% of your insured home value, significantly higher than your standard deductible. Storm surge flooding is NOT covered by standard policies and requires separate flood insurance. After a hurricane, call your insurer to report the claim, then call CFDR at 321-420-7274 immediately — emergency tarping within hours limits interior damage and preserves your claim.
How fast does mold grow after a hurricane roof breach in Florida?+
Mold begins growing within 24–48 hours in Florida's climate after water intrusion. A roof breach during a hurricane introduces rain water into attic insulation, ceiling drywall, and wall cavities. Florida's heat and humidity accelerate mold growth significantly compared to northern climates. Emergency tarping — even temporary poly tarping — stops additional water entry and is the single most important action in the first hours. If tarping is delayed by a day or more, mold colonization in attic insulation is almost certain.
What is the restoration process after hurricane roof damage with water intrusion?+
Phase 1 — Emergency (hours 0–24): Emergency tarping to stop additional rain entry; extraction of any standing water; initial damage documentation for insurance. Phase 2 — Drying (days 1–7): Wet insulation removal; structural drying of ceiling, walls, and attic framing with industrial equipment; moisture mapping daily. Phase 3 — Assessment and claim: Adjuster visit with your pro's Xactimate documentation; scope approval. Phase 4 — Rebuild (weeks 2–8+): New roofing materials; insulation replacement; drywall replacement; interior finishes. Full timeline depends on damage extent — a partial roof breach may be resolved in 3–6 weeks; extensive damage takes longer.
My neighbor's tree fell on my roof — whose insurance pays?+
In most cases, your own homeowners insurance pays for damage to your home from a neighbor's fallen tree — even if the neighbor's tree was the source. Your insurer may pursue subrogation (recovery) from your neighbor's policy if negligence can be shown (e.g., a dead tree they were warned about). For emergency response, call CFDR at 321-420-7274 regardless of the liability question — emergency tarping and extraction protect your home while the insurance question is sorted out.
What should I do before the adjuster comes to inspect hurricane damage?+
Before the adjuster arrives: photograph every damaged area from multiple angles — exterior roof, attic, ceilings, walls, floors, and all damaged contents. Document the damage before any temporary repairs obscure the original state. Keep receipts for all emergency expenses (tarping, hotel, temporary repairs). Do not throw away storm-damaged items before the adjuster documents them. Your CFDR-matched pro prepares a full Xactimate estimate and moisture documentation package that gives the adjuster everything needed for a complete assessment — which dramatically reduces claim disputes.
Storm damage? Every hour without tarping is more damage.
Emergency tarping deployed within hours. Full claim documentation. Ryan answers 24/7/365.