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Storm Damage · Palm Beach County

Roof damage insurance claim: what to do first, and who looks at the roof.

A Florida Certified Roofing Contractor inspects your storm-damaged roof and puts the repair in writing with a free estimate.

Certified Roofing Contractor CCC1332751 · General Contractor CGC1528750

CCC1332751 Roofing (Certified, statewide)CGC1528750 General ContractorBBB A+ Accredited1-Year Written Workmanship WarrantyDesign awards: CSS Design Awards Special Kudos 2026 · Web Design Awards Winner 2026

Signature Offer

Free wind-mitigation & energy walk-through with every roofing estimate

Free estimates, and every one includes a free wind-mitigation & energy walk-through. The owner is the only Palm Beach County contractor who is also a certified energy engineer and inspects every job himself. Every job carries a written one-year workmanship warranty.

The First Hours

What to do when the roof is damaged

Start with safety. Keep people away from sagging ceilings, exposed wiring and anything that looks ready to move. From the ground, photograph the damage and any water inside the house, and note the date and what happened. Reasonable steps to stop further damage, such as a tarp over an opening, are normally expected of a homeowner, so keep the receipts. Then report the loss to your insurer.

We are a roofing contractor. We are not your insurer, a public adjuster or an attorney, and we do not give legal advice. What we do is look at the roof, tell you in plain words what the damage and the repair involve, and put the scope in writing for a free estimate.

The Claim

How a roof damage insurance claim works

You report the loss by the method your policy names. The insurer assigns an adjuster, who inspects the roof and decides what the policy covers. Three things in your policy matter most: what causes of loss it covers, the deductible, and whether hurricane or named-storm damage carries its own deductible, which many Florida policies do. Read those pages before you decide whether a claim is worth filing, and keep every photo, note and message.

Do not sign paperwork you do not understand, and do not sign over rights to your claim without knowing what you are giving up. Our free estimate gives you the repair scope in writing so you can compare it with your deductible and with what the insurer offers. For hurricane losses specifically, see our hurricane roof damage inspection page, and for insurers who question an older roof, roof age and Florida insurance.

What We Look For

Damage that shows and damage that hides

Wind can lift or crack tile, curl and strip shingles, loosen metal panels and tear flashing at walls, vents and valleys. Falling branches can puncture the deck. Water often shows up inside the house long after it entered, at a different spot from the opening, so a ceiling stain is a clue, not a location. We check the roof surface, flashing, penetrations and the deck, and tell you whether the answer is a repair, a partial re-roof or a full replacement.

If the fix is a repair, see roof repair. If you want the roof assessed before you decide anything, start with a roof inspection in West Palm Beach. If the roof is at the end of its life, the roof replacement page for West Palm Beach explains tile, shingle and metal.

Permits & Code

Storm repair still goes through the building department

Palm Beach County sits in the Florida Building Code Wind-Borne Debris Region, and roofing products need a valid Florida Product Approval for the installation. Which office issues the permit depends on where the house is. Wellington, Jupiter and West Palm Beach run their own building departments; Loxahatchee and The Acreage go through the Palm Beach County Building Division. A licensed roofing contractor holds the permit and is present at final inspection, and we handle that for the roof we repair or replace.

Proof

What we can claim on storm work

We lead with the credential stack: Florida Certified Roofing Contractor license CCC1332751, a state certification that lets us contract roofing work in any Florida county, a separate license from Certified General Contractor license CGC1528750; the written one-year workmanship warranty; and BBB A+ accreditation. We do not publish a storm-claim result, a before-and-after or a customer name we cannot document. Financing is available through our partner Renew Financial’s RenewPACE program, designed for energy and storm-protection upgrades like impact windows and new roofs. Ask us about eligibility.

Where We Work

Storm roof help across Palm Beach County

Pick your town: Wellington, Loxahatchee, Jupiter, West Palm Beach, Royal Palm Beach, The Acreage, Lake Worth and Palm Springs. The full list is on the roofing hub.

Questions, Answered

Roof damage and insurance claims, frequently asked

My roof has storm damage. What should I do first?

Stay safe and keep people away from anything that looks unstable. If you can do it safely from the ground, photograph the damage and any water inside the house, and take reasonable steps to stop more damage, such as a tarp over an opening. Keep what you spend on that and any receipts. Then report the loss to your insurer. Call us for a free estimate once the roof is safe to look at.

How do I file a roof damage insurance claim in Florida?

Report the loss to your insurer by the method your policy names, give the date and what you saw, and keep your photos, notes and every message. Your insurer will assign an adjuster who inspects and decides what the policy covers. We are a roofing contractor, not your insurer, a public adjuster or an attorney, so we describe what we find on the roof and leave coverage decisions to the insurer.

Is it worth filing a claim for roof damage?

It depends on the size of the damage, your deductible and what your policy covers. Many Florida policies carry a separate deductible for hurricane or named-storm damage, so read yours before you decide. A free estimate will tell you what the repair involves; then you can compare it with your deductible.

How long do I have to report roof damage to my insurer?

Florida sets deadlines for reporting a storm loss, and your policy adds its own terms. We do not quote a date, because it depends on the event and the policy. Report the damage promptly and read the notice section of your policy or ask your insurer.

Are leaky roofs covered by homeowners insurance?

Coverage turns on the cause. Damage from a covered event such as wind is treated differently from a leak caused by age or wear, and your policy wording decides. We can tell you what we see on the roof and where the water is getting in, and your insurer decides what is covered.

Does a storm-damaged roof need a permit to repair or replace?

Yes. Roof repairs beyond minor work and every re-roof go through the building department for your jurisdiction, and a licensed roofing contractor holds the permit. Incorporated towns such as Wellington, Jupiter and West Palm Beach run their own building departments, while unincorporated areas such as Loxahatchee go through the Palm Beach County Building Division.

Should I sign a contract before my insurer approves the claim?

Take your time. Read any paperwork before you sign, and do not sign over rights to your claim without understanding what you are giving up. Our estimates are free, so you can have the scope in writing before you decide. Your insurer, not your contractor, decides what the policy pays.

Does a new roof help with insurance and wind mitigation?

A roof built to current code with the right product approval is part of what a wind-mitigation inspection looks at, and every roofing estimate from us includes a free wind-mitigation & energy walk-through. What your insurer does with that information is up to your insurer and your policy.

Can I finance a roof repair or replacement after storm damage?

Financing is available through our partner Renew Financial's RenewPACE program, designed for energy and storm-protection upgrades like impact windows and new roofs. Ask us about eligibility.

Are you licensed to repair storm-damaged roofs in Palm Beach County?

Yes. Florida Certified Roofing Contractor license CCC1332751 is a state certification, a separate license from our Certified General Contractor license CGC1528750. We give a written one-year workmanship warranty on every job and are BBB A+ accredited.

Storm damage on your roof? Let’s look.

Free estimate, a free wind-mitigation & energy walk-through, and a state-certified roofer.

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