Hurricane Roof Damage Help on the Treasure Coast: Prep, Emergency Repair & Insurance Claims

Leeward Roofing is a licensed, insured Florida roofing contractor (License CCC1337211) headquartered in Sebastian, FL, providing hurricane roof preparation, emergency storm damage repair, tarping, and insurance-claim documentation across the Treasure Coast — Sebastian, Vero Beach, Fort Pierce, Port St. Lucie, Stuart, Palm Bay, Melbourne and surrounding communities. If a storm is coming or your roof was just damaged, call 772-589-2400 for priority scheduling. This page is your command center: every storm resource we publish, organized by where you are in the storm cycle.

Before the Storm: Get Your Roof Hurricane-Ready

The cheapest hurricane damage is the damage that never happens. A pre-season inspection catches loose shingles, weak flashing, and aging seals while there is still time to fix them — and creates dated photo documentation that makes any future insurance claim dramatically easier.

After the Storm: The First 48 Hours

Once the weather clears, what you do in the first two days protects both your home and your claim.

  1. Stay safe. Do not climb on a storm-damaged roof. Look from the ground and inside the attic for daylight, drips, or sagging.
  2. Document everything. Photograph damage from multiple angles, inside and out, with timestamps, before any cleanup.
  3. Stop the water. Call 772-589-2400 for emergency tarping — a proper tarp prevents the interior damage that turns a repair into a gut job.
  4. Be wary of door-knockers. Out-of-town storm chasers follow every hurricane. Verify any contractor’s Florida license before signing anything.
  5. Get a professional inspection. We document storm damage for Sebastian & the Treasure Coast and Vero Beach.

Insurance Claims Without the Headache

Florida roof claims are their own storm. Insurers commonly scrutinize roof age, prior wear, and documentation quality — and Florida’s “25% rule” means that if more than a quarter of your roof is damaged, the repair may have to bring the entire roof up to current code. We prepare the inspection reports, photos, and itemized estimates adjusters actually accept, and we handle the paperwork with you.

Rebuild Stronger Than Before

If the storm made the decision for you, rebuild with a roof designed for the next one. Metal and tile systems shrug off coastal wind and salt air, and modern code-compliant installation — sealed decks, ring-shank nails, proper straps — is what keeps roofs on houses at 120 mph.

Storm Response Across the Treasure Coast

Leeward Roofing responds to storm damage throughout Vero Beach, Port St. Lucie, Fort Pierce, Stuart, Palm City, Palm Bay and our home base of Sebastian, plus the barrier island and Indian River County communities in between.

Hurricane Roofing FAQs

Does homeowners insurance cover hurricane roof damage in Florida?

Generally yes — hurricane wind damage is covered by most Florida homeowners policies, subject to a separate hurricane deductible (typically 2–5% of your dwelling coverage). Coverage disputes usually hinge on documentation and roof condition before the storm, which is why a dated pre-season inspection matters so much.

What should I do first if my roof is damaged in a storm?

Stay off the roof, photograph all damage inside and out before any cleanup, and get the roof tarped quickly to stop water intrusion. Then have a licensed local contractor document the damage before you file your claim. Leeward Roofing prioritizes storm calls at 772-589-2400.

What is Florida’s 25% roof replacement rule?

Under the Florida Building Code, if more than 25% of a roof section is repaired or replaced within a 12-month period, the work generally must bring that section up to current code. Since 2022 reforms, roofs built to the 2007 code or later may be repaired rather than fully replaced — an inspection tells you which side of the line you’re on.

Do you offer emergency roof tarping?

Yes. After a storm we run priority tarping and dry-in crews across the Treasure Coast to stop active leaks before permanent repairs are scheduled. Call 772-589-2400 as soon as it’s safe.

How do I avoid roofing scams after a hurricane?

Verify the contractor holds an active Florida license (ours is CCC1337211 — look it up at myfloridalicense.com), insist on a written itemized estimate, never sign an assignment of benefits at the door, and be skeptical of anyone who “found damage” you can’t see photos of.

Storm on the way — or already here? Get ahead of it. Call 772-589-2400 or request a free priority inspection and Leeward Roofing will handle the rest — tarping, repairs, documentation, and the insurance paperwork.

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