What to Check After a Florida Windstorm

    After the wind dies down, a quick walk-around can tell you a lot about how your roof held up. Everything on this checklist can be done from the ground — you never need to climb a ladder to complete it.

    Safety first

    • Never climb onto a wet, damaged, or debris-covered roof. Sagging decking and loose shingles can give way without warning.
    • Stay well away from downed or sagging power lines — assume every line is live and report it to your utility.
    • If you smell gas or see significant structural damage, leave the home and call for help before inspecting anything.

    0 of 20 checked

    From the ground outside

    Inside the home

    Around the property

    Documentation for insurance

    Why timing matters

    Florida claim deadlines are short

    Under current Florida law, you generally have only one year from the date of loss to file a new windstorm or hurricane claim. Waiting to inspect and document damage can cost you the ability to file at all.

    Hidden water damage gets worse fast

    A lifted shingle or bent flashing may not leak today, but Florida's afternoon storms will find the opening. Wet decking, insulation, and drywall problems multiply repair costs the longer they go unnoticed.

    Temporary tarping protects your claim

    Most policies require you to prevent further damage after a storm. Professional emergency tarping keeps water out while repairs or a claim are underway — and the receipts become part of your documentation.

    This checklist is general guidance for homeowners. It is not an insurance evaluation, a structural assessment, or a substitute for a professional roof inspection.