What is the deadline to file a hurricane claim in Florida?

Under Florida Statute 627.70132 you must give your insurer notice of a hurricane claim within one year of the date of loss, and for a hurricane the date of loss is the landfall date. Isaias made landfall on October 9, 2026, so notice is due by October 9, 2027. Supplemental claims get 18 months.

Does homeowners insurance cover hurricane roof damage in Florida?

Wind damage from a named hurricane is covered under the windstorm portion of a standard Florida homeowners policy, subject to your hurricane deductible, usually 2 to 5 percent of the dwelling coverage. Water that came in through the wind-damaged roof is typically covered as part of the same loss. Rising floodwater is a separate flood policy.

Do I need a tarp if the roof is not leaking yet?

If shingles are lifted, creased or missing, yes. The underlayment is exposed and the next rain goes into the decking and the attic. Policies also require you to take reasonable steps to prevent further damage, and a tarp is the step the insurer expects to see. Keep the receipt.

Why does a roofing crew have a public adjuster?

Because after a hurricane the roof is only half the job. A public adjuster is licensed by the State of Florida to represent you, the policyholder, not the insurance company. Having one on the crew means the documentation is done once, done right, and used to get the claim paid.

What does a public adjuster cost after a declared emergency?

Florida law caps public adjuster fees at 10 percent of the insurance claim payment for claims from an event covered by a declared state of emergency, for one year after the declaration. No recovery, no fee. We put it in writing before anything is signed.

Storm Damage Roof Repair, Emergency Tarping & Water Damage Restoration in Milton, Destin & Pensacola FL

Who we are

Who's coming to your house

AEVO Pro is a veteran-owned, licensed and insured water mitigation and environmental services contractor. We have worked residential and commercial jobs across Florida, Georgia, the Carolinas, Louisiana and Texas since 1977: roofs, water intrusion, mold, foundations and the insurance claims that come with them. Every inspection is free, and the estimate is itemized before anyone picks up a tool.

Roofing contractor

Residential and commercial. Shingle, metal, tile and flat systems. Emergency tarping, storm repair and full replacement, all under the same claim.

Mold remediator

Containment, removal and clearance for everything the leak soaked. Most roofers subcontract this or skip it. Ours rides on the same truck.

Public adjuster

Represents you, not the insurance company. Files the notice, writes the scope, handles the supplement. Capped at 10% by Florida law for declared emergencies.

What we do

Roof, water, mold and the claim. One call.

Emergency roof tarping

Properly anchored tarps over lifted, torn and missing sections so the next rain stays out while the claim moves. Photographed and receipted for the file.

Storm damage roof repair

Lifted and creased shingles, missing ridge caps, torn flashing, punctures from debris. Shingle, metal, tile and flat roofs.

Roof replacement

When the insurer's scope or Florida's building code calls for a full replacement rather than a patch, we handle it under the same claim.

Leak tracing & attic inspection

Where the water actually got in, how far it traveled, and what it soaked on the way down. Moisture-mapped, not guessed.

Water damage & mold

Drying, flood cuts and mold remediation for everything under the roof. Water damage & mold restoration →

Insurance claim handling

A public adjuster on the crew files and manages the claim: the notice, the scope, the supplement if the carrier underpays. No recovery, no fee.

What the storm did

It was a wind storm. The water damage starts after it.

Water stain spreading across a ceiling and down the drywall after the hurricane

Most roofs did not come off. They were lifted. Wind gets under the edge of a shingle, creases the tab, breaks the seal, and lays it back down. From the street the roof looks fine. From the attic, every rain since October 9 has been coming through the underlayment into the decking and the insulation.

Wet insulation holds water for weeks. It shows up as a ceiling stain, then bubbling paint, then a smell. In Gulf Coast humidity, mold can start on wet drywall within 24 to 72 hours. That is why the roof and the water damage are one job, not two, and why this crew carries a mold remediator.

If you are not sure whether your roof was hit: that is exactly what the free inspection is for. We look from the roof and from the attic, and we tell you honestly if there is nothing to claim.

How it works

Call. Inspect & document. Tarp & dry out. Claim filed.

Four steps, one crew. The last one is the one nobody else on this page has.

Call

You tell us what you are seeing. We tell you what to do in the next hour and schedule the inspection.

Inspect & document

Roof, attic, ceilings and walls. Photos, moisture readings and an itemized damage report, written the way an insurer reads it.

Tarp & dry out

Emergency tarp on the roof, water extraction and drying inside, containment if mold has started. The damage stops getting worse.

Claim filed by our public adjuster

Notice to your carrier, the scope, the supplement if they underpay. Licensed by the State of Florida to work for you, not the insurance company. Deadline for this storm: October 9, 2027.

Where the crew is working

Santa Rosa, Okaloosa and Escambia counties

Santa Rosa County

Milton, Pace, Gulf Breeze, Navarre, Jay and the communities north of I-10 that took the heaviest debris.

Okaloosa County

Destin, Fort Walton Beach, Niceville, Crestview, Mary Esther and Shalimar, from the landfall point inland.

Escambia County

Pensacola, Pensacola Beach, Cantonment, Perdido Key and the neighborhoods that saw the strongest gusts.

Questions people are asking this week

Straight answers

What happens when I file a roof claim after the storm?

You give your insurer notice of the loss, the damage gets documented, an adjuster inspects, and the insurer issues a scope and a payment minus your hurricane deductible. Our public adjuster handles that process on your side: the notice, the photo and moisture documentation, the itemized scope, and the back-and-forth with the carrier.

What is the deadline to file?

Under Florida Statute 627.70132 you must give notice within one year of the date of loss, and for a hurricane that is the landfall date: October 9, 2026. So notice is due by October 9, 2027. A supplemental claim, if the first payment falls short, gets 18 months.

Does my homeowners insurance cover hurricane roof damage?

Wind damage from a named storm is covered under the windstorm part of a standard Florida policy, subject to your hurricane deductible, which is usually 2 to 5 percent of your dwelling coverage rather than a flat number. Water that came in through the wind-damaged roof is normally part of the same loss. Rising floodwater is a separate flood policy, which is a different conversation.

How much does hurricane roof repair cost?

It depends on what the inspection finds, and after a hurricane the honest answer is that most of it should be the insurer's cost, not yours, beyond the deductible. We give you an itemized scope before any work and the same scope goes to the carrier. We do not quote a number over the phone that the roof has not earned.

Do I need a tarp if nothing is leaking yet?

If shingles are lifted, creased or missing, yes. The underlayment is exposed and the next rain goes into the decking. Your policy also requires reasonable steps to prevent further damage, and a tarp is the step the insurer expects to see. Keep the receipt.

Will my roof have to be fully replaced because of Florida's 25% rule?

Not necessarily anymore. Since 2022, roofs built to the 2007 Florida Building Code or later can be repaired rather than replaced even when more than 25 percent is damaged. Older roofs may still fall under the full-replacement rule. We check the permit history on your roof at the inspection and tell you which side of the line you are on.

What does the public adjuster cost?

Florida caps public adjuster fees at 10% of the claim payment for losses from a declared state of emergency, for one year after the declaration. No recovery, no fee. It goes in writing before anything is signed.

Are you local?

We are a Florida company, veteran-owned and operated since 1977, with a crew staged in Milton and Destin for the length of this recovery. We are not from Milton, and we will not pretend to be. What we will do is show up when we say, document everything, and put a public adjuster on the phone who works for you.

Free storm damage inspection

Call now, or tell us what you are seeing and we will call you.

(850) 407-3140

Milton, Destin, Pensacola and everywhere in between. Roof, water, mold and the claim, one crew.

Request an inspection

Takes 30 seconds. A person calls you back, not a call center.

Got it. We will call you shortly. If water is coming in right now, call (850) 407-3140.