Florida Storm Damage Help
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Yes. You should make reasonable temporary repairs to prevent further damage, such as:

• Tarping a damaged roof
• Boarding up broken windows or doors
• Stopping water intrusion where possible

Before you begin, take photos of the original damage. Keep all receipts and invoices for temporary repairs so you can submit them for reimbursement.

Yes. Contact your homeowners insurance carrier as soon as possible to report the loss. Florida insurance policies often have strict notification deadlines, and delays can hurt your claim.

Keep a record of:

• Your claim number
• The adjuster’s name and contact information
• All emails, letters, and notes from conversations

Filing early helps speed up inspection, assessment, and payment.

To support your insurance claim or storm damage assistance application, gather:

• Photos and videos of all damage (roof, walls, windows, interior, yard)
• A detailed list of damaged or destroyed items
• Repair estimates from licensed Florida contractors
• Receipts for temporary repairs, lodging, and related expenses
• Records of the property’s condition before the storm, if available

Thorough documentation improves your chances of a fair settlement and helps you qualify for additional assistance.

Your first priority is safety. Stay away from downed power lines, gas leaks, flooding, and any areas with visible structural damage. Once it is safe to enter, document all damage with clear photos and videos before cleaning up or making repairs.

This documentation is critical for insurance claims and for qualifying for Florida storm damage assistance programs.

If your insurance claim is denied, delayed, or insufficient, Florida property owners may have access to:

• FEMA disaster assistance for eligible individuals and households
• SBA disaster loans for home repairs, personal property, and business losses
• State and local recovery programs, including Florida-specific housing and mitigation assistance
• Public adjusters and storm damage experts who can help you negotiate with your insurer

Check for disaster declarations in your county and contact your local emergency management office or a disaster recovery center for guidance.