After a hurricane, tropical storm or one of Central Florida’s summer supercells, the first question is whether the roof is still keeping water out. The second is whether the damage is an insurance claim. Sunny Roofing answers both with a free storm damage assessment: a licensed inspector walks the roof, tarps anything that is open, and writes up the damage the way carriers expect to see it.
What Happens During a Storm Assessment
- Emergency check first. If water is coming in, the crew tarps or dries in the opening the same day. Call the 24/7 line at (561) 650-1355.
- Full roof walk: lifted, creased or missing shingles; torn underlayment; bent or missing flashing; ridge and hip caps; vents, pipe boots and skylights.
- Attic check for wet insulation, daylight and staining.
- Photos of every finding, with the storm date and a sketch of affected slopes.
- A written report you can send to your insurance company, plus a repair or replacement estimate.
Wind, Rain and Debris: What Storms Do to Florida Roofs
Wind lifts the leading edge of shingles and breaks the seal strip; the shingle may lie flat again and still be unsealed, which is why it fails in the next storm. Wind-driven rain gets under lifted shingles and into the decking. Falling limbs puncture shingles and crack tile. Each of these is a different repair and a different line on the claim. The wind damage repair page explains the fixes.
Turning the Assessment Into a Claim
Storm damage is a covered peril on standard Florida policies. The report Sunny Roofing produces is written for the adjuster: dated, slope by slope, with close-ups. If the carrier sends its own adjuster, a project manager meets them on site so nothing is missed. See insurance claim assistance for the full process and the Florida statutes that protect you, including the one-year claim deadline.
Why Central Florida Homeowners Choose Sunny Roofing
- Veteran-owned, BBB accredited with an A+ rating
- Florida Certified Roofing Contractor, license CCC1333142
- GAF Certified contractor and CertainTeed Select ShingleMaster installers
- Dedicated project manager on every job
- 15-year workmanship warranty and a comprehensive cleanup guarantee
- Insurance claim assistance and flexible financing options
Frequently Asked Questions
How soon after a storm should I get the roof checked?
As soon as it is safe to drive. Open roofs need tarping the same day, and the claim clock under Fla. Stat. § 627.70132 starts on the date of loss.
Is the storm assessment free even if I do not file a claim?
Yes. The inspection and report are free with no obligation, whether you file a claim, pay for a repair, or do nothing.
Do you provide emergency tarping?
Yes, 24/7 across Central Florida. Tarping is done the same day and the cost is usually covered by the claim as mitigation.
Should I call my insurance company or the roofer first?
Either order works, but having the roofer’s report in hand before the adjuster visits gives you documentation of what the storm did. Do not sign anything that assigns your claim benefits to a contractor.
What if my roof was already old before the storm?
Age does not cancel a covered storm loss. The report separates storm damage from wear so the claim addresses what the storm did.