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§ COST GUIDE · STORM DAMAGE

Storm damage restoration
cost in Florida (2026).

From emergency tarping after a hurricane to full structural rebuilds, here's what storm and wind damage restoration actually costs in Central Florida — and how insurance covers it.

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§ 01 · COST BREAKDOWN

Storm restoration cost by scope.

TYPE OF WORKTYPICAL RANGENOTES
Emergency roof tarping (per square)$150 – $350/sqImmediate storm protection, deployed within hours
Emergency board-up (windows/doors)$200 – $600/openingPlywood or OSB; price per opening
Debris removal (tree fall, moderate)$500 – $3,000Depends on tree size and access
Roof repair (partial)$1,500 – $8,000Shingle replacement, flashing repair, minor structural
Full roof replacement$8,000 – $25,000+Material + labor; tile roofs at upper end
Water intrusion drying (interior)$1,500 – $8,000After roof breach; structural drying 3–7 days
Drywall & insulation replacement$1,000 – $6,000Per affected area; more if multiple rooms
Window replacement (per unit)$400 – $1,200Impact-rated windows at upper end
Siding repair/replacement$2,000 – $12,000Material dependent; vinyl vs. stucco vs. wood
Major storm damage (whole home)$25,000 – $100,000+Significant structural damage + water intrusion + rebuild

Estimates reflect Central Florida market rates in 2026. Costs spike significantly after major hurricanes due to contractor demand. Insurance covers most storm damage costs — see FAQ below.

§ 02 · INSURANCE

What insurance pays vs. what you pay.

Standard Florida homeowners policies cover wind damage, roof damage from storms, and fallen tree damage. After your hurricane deductible (typically 2–5% of insured value for named storms), insurance pays the rest.

Storm surge and rising floodwater are NOT covered — that requires separate NFIP or private flood insurance. This catches many Florida homeowners off guard after hurricanes.

Your matched pro writes Xactimate estimates that match your adjuster's format exactly, maximizing your claim and reducing disputes.

Covered by standard policy
  • ✓Wind damage to roof, siding, windows
  • ✓Fallen tree structural damage
  • ✓Interior water from storm breach
  • ✓Debris removal (in most policies)
NOT covered — needs flood insurance
  • ✗Storm surge / rising floodwater
  • ✗Overland flooding from heavy rain
  • ✗Sewer backup from storm (needs rider)
  • ✗Groundwater seepage
§ 03 · FAQ

Storm damage cost questions answered.

Yes — wind damage, roof damage from storms, and damage from fallen trees are covered by standard Florida HO-3 policies. Storm surge flooding and rising water are NOT covered by standard policies; you need separate flood insurance for that. The key is fast documentation — your matched pro photographs and documents damage the same day to support your claim.
Florida policies have a separate hurricane deductible, typically 2–5% of your home's insured value. On a $350,000 home at 2%, that's $7,000 out of pocket before insurance pays. This deductible applies only to named storms. Your matched pro factors this into your project planning so there are no surprises.
Emergency board-up and tarping is typically deployed within 2–4 hours of your call. Call CFDR at 321-420-7274 immediately after storm damage — every additional hour of rain intrusion multiplies interior damage.
Storm restoration includes: emergency board-up and tarping, debris removal, tree-fall assessment, structural drying of any water intrusion, drywall and insulation replacement, window/door replacement, roofing, siding, and full reconstruction of affected areas. Your matched pro handles all phases under one contract.
Yes. Network pros are experienced with both private insurance claims and FEMA Individual Assistance programs. They document damage in formats that support FEMA applications and can advise on appeals if your initial FEMA award is underfunded.
Cost variation is driven by: extent of roof damage, whether water intrusion reached interior living areas, whether mold developed from delayed response, the age and type of roofing material, and local labor demand after widespread storm events. Costs spike significantly after major hurricanes when contractor demand surges.
§ NEXT

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Storm & Hurricane Damage Restoration Cost in Florida (2026) | Central Florida Disaster Recovery