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What to Do Right Now
Storm damage roof repair in Orlando starts with the decisions you make in the first few hours. Most homeowners make mistakes that reduce their insurance payout before a licensed contractor ever arrives. Here is the correct sequence.
1
Stay Safe First
Do not go on the roof during or immediately after a storm. Check for downed power lines and structural hazards before approaching the exterior.
2
Document Everything
Before anyone moves debris or installs a tarp, take date-stamped photos and video of all four sides of the roof, any fallen material, and interior water intrusion. This is your insurance baseline.
3
Call a Licensed Contractor
Call a Florida State Certified Roofing Contractor before calling your insurer. A written contractor assessment gives you a baseline to compare against the adjuster's estimate. Do not open the door to door-to-door storm chasers.
4
Report to Your Insurer
Most Florida policies require prompt reporting. Contact your carrier within 72 hours of the storm event. Have your contractor's written inspection and your photo documentation ready.
5
Get Emergency Tarping
If active water intrusion is occurring, Bynum Roofing provides emergency roof tarping within 2–4 hours to prevent interior damage while the claims process moves forward.
6
Review the Adjuster's Estimate
Compare the adjuster's scope to your contractor's assessment. If the numbers differ significantly, you have standing to negotiate. Florida's 25% Rule may change the scope entirely.
Read our complete guide: What to Do in the First 24 Hours After Storm Damage in Florida →
Signs of Storm Damage to Your Roof
After any major storm event in Orlando, a professional roof damage inspection is critical even if damage is not immediately visible from ground level. Florida's intense weather causes hidden damage that worsens with every subsequent rain event.
⚠️Missing or lifted shingles/tiles
Wind events at 60+ mph can lift entire shingle sections. Any missing shingle is an active water entry point.
⚠️ Dented Metal Roofing or Vents
Hail impact on metal roofing, ridge caps, and vent covers is often the clearest documentation of storm damage for insurance purposes.
⚠️Water Stains on Interior Ceilings
Interior staining after a storm event typically indicates a compromised roof deck or underlayment, not just surface shingles.
⚠️ Visible Sagging or Structural Damage
Any visible deformation in the roofline indicates decking compromise or structural damage requiring immediate inspection.
⚠️Damaged or Missing Flashing
Flashing around vents, chimneys, and valleys is the first to fail during wind events. Compromised flashing means immediate leak risk.
⚠️ Tree Limb or Debris Impact
Even small branches can penetrate underlayment. Any debris contact point requires professional inspection before the next rain.
⚠️Granules in Gutters
Excessive granule loss after hail indicates accelerated shingle wear and reduced UV protection. A sign of hail impact damage.
⚠️ Cracked or Broken Tiles
Concrete and clay tile can fracture from hail impact or falling debris. Broken tiles expose the underlayment to direct weather.
Hidden damage is the rule, not the exception. Florida's humidity accelerates damage progression. A roof that looks fine from the ground may have compromised underlayment, lifted flashing, or early deck rot that only a hands-on licensed inspection will catch. Schedule your free inspection →
Storm Damage Repair Cost in Orlando, FL
Storm damage roof repair costs depend on damage extent, roof size, material type, and whether the damage triggers Florida's 25% Rule requiring full replacement. Most Florida homeowners insurance policies cover sudden storm events including hurricanes, wind, hail, and fallen trees.
Service Type | Typical Range | Severity | Common Scenarios |
|---|---|---|---|
Hail Damage Repair | $2,500 – $7,000 | Moderate | Granule loss, soft-metal denting, cracked tile from impact. |
Emergency Tarping | $500 – $1,500 | Immediate | Prevents interior damage while claim processes. Usually covered by insurance. |
Minor Wind Damage | $1,000 – $3,500 | Low | Missing shingles, lifted ridge cap, minor flashing damage. |
Moderate Storm Damage | $3,500 – $9,000 | Moderate | Multiple damage areas, partial decking replacement, flashing rebuild. |
Extensive Hurricane Damage | $9,000 – $18,000 | High | Widespread damage, structural repairs, large debris impact. |
Full Replacement (25% Rule Triggered) | $12,000 – $28,000+ | Full Scope | When damage exceeds 25%, Florida Building Code requires full section replacement. |
Insurance Documentation Included
Bynum Roofing provides comprehensive documentation including date-stamped photos, written damage assessments, and line-item estimates to support legitimate insurance claims. We coordinate directly with your adjuster throughout the process. Learn More
Florida's 25% Rule and Your Storm Damage Claim
Understanding Florida's 25% roofing rule is critical when dealing with storm damage. This building code provision often determines whether your insurer owes you a repair or a full roof replacement.
⚠️ What the 25% Rule Means for Your Claim
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If storm damage affects more than 25% of any roof section within 12 months, the entire section must be replaced to meet current Florida Building Code.
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What your adjuster quotes as a $4,000 repair may legally be a full replacement — and your insurance policy may be obligated to cover it.
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Insurance companies do not always flag this trigger. A licensed contractor will identify it and document it before you sign anything.
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This applies to both residential and commercial properties across Orange, Seminole, Osceola, Lake, Volusia, and Brevard counties.
We Navigate the Claims Process With You
Florida's storm damage insurance process has more moving parts than most homeowners expect. Bynum Roofing guides you through every step from emergency stabilization to final permitted repair.
1. Emergency Tarping
Immediate protection within 2–4 hours to prevent interior water damage while you wait for insurance approval. Usually covered by your policy.
2. Professional Damage Assessment
Licensed inspection with date-stamped photos from multiple angles, 25% Rule evaluation, and a written damage report for your insurer.
3. Claim Documentation
We provide all required documentation: repair estimates, code compliance requirements, and 25% Rule assessment to support your claim.
4. Adjuster Coordination
We meet with your adjuster, explain damage extent, and ensure all storm-related damage is properly documented and approved before work begins.
5. Permitted Repair
Once approved, we complete all repairs or replacement to Florida Building Code with all required permits, inspections, and manufacturer documentation.
Storm Damage Repair Across Central Florida
When major storms strike Central Florida, Bynum Roofing provides 24/7 emergency storm damage response throughout Orlando and surrounding counties. Wesley Bynum has over 10 years of personal experience working on Florida roofs after hurricane and tropical storm events.
Complete Roofing Services
Storm Damage Customers Trust Bynum Roofing
★★★★★ 5.0· 37 Google Reviews · All verified
We had an excellent experience with Wes and his roofing company—they were professional, punctual, and did high-quality work from start to finish. The job was completed on time, the site was left spotless, and the roof looks fantastic; I would absolutely recommend them. More
Homeowner
I recently hired Bynum Roofing to replace my roof. I will tell you that this guy is the absolute best man for the job. He is very personable, knowledgeable, involved and experienced. He and his crew were very fast and efficient. Wesley was easily reachable and quick to respond to any call or text. More
Jesse N.
Homeowner
I’m so happy with the service I received from Bynum Roofing. Wes made what could have been a very stressful situation seem flawless. I was informed that I would need a new roof on my home due to damage from hurricane Milton. I live in Connecticut, and Bynum Roofing was highly recommended to me. More
Jamie L.
Homeowner
Storm Damage Roof Repair FAQ
Storm Damage? Bynum Roofing Responds 24/7.
Don't wait for storm damage to worsen. Get immediate protection with emergency tarping and professional damage assessment. Licensed, insured, and experienced with Florida storm restoration.
Read our step-by-step guide: What to Do in the First 24 Hours After Storm Damage
