Hurricane Roof Prep in Florida (2026)

The Atlantic hurricane season runs June 1 through November 30 (National Hurricane Center). Six months in which a roof that looked fine in May can become a claim in September. What separates those two outcomes usually isn't the storm — it's the shape the roof was in when the storm arrived.

Florida has the receipts. Hurricane Ian came ashore as a Category 4 in 2022 and peeled roofs off houses across Southwest Florida. A storm like that finds whatever's loose: a shingle edge that's lifted, flashing that's lost its seal, a soft spot in the decking. New roof or old, that's what decides whether it holds.

Before the season: the roof-prep checklist

Run this list in the spring, before June 1. None of it is glamorous and most of it is cheap next to what a torn-open roof costs. The goal is simple — go into the season with a roof that's tight, a yard that's clear, and a paper trail that proves the condition it started in.

Start with an inspection. Have a licensed roofer or inspector look for loose or missing shingles, worn flashing around chimneys and vents, popped nails, and any soft spots in the decking. These are the small failures a hurricane pries open. Catching a lifted shingle in May is a quick fix; finding it after the storm means water in the attic.
Cut back any tree limbs that hang over or brush against the roof. In high wind a branch becomes a battering ram, and a whole limb coming down can punch straight through. Give the roof room.
Clogged gutters are a quiet problem until they aren't. A hurricane dumps rain faster than most people picture, and a blocked gutter sends that water backing up under the roof edge instead of away from the house. Clear the gutters and drains, and check that the downspouts actually carry water clear of the foundation.
Then there's everything loose in the yard — patio furniture, grills, potted plants, trash cans, the kids' trampoline. Anything the wind can lift becomes a projectile aimed at your roof or your windows. Store it inside or tie it down before a storm is even in the forecast, because the day before landfall is too late to be dragging furniture around.
Photograph the roof while it's still sound. Walk the property and take dated photos from every angle you safely can, plus a few of the attic if it's accessible. This is your baseline. If a storm damages the roof and you have to file a claim, those before photos are the record that shows the damage was fresh and storm-caused, not old wear the insurer can wave off.
Know how old your roof is going in. Florida insurers watch the 15-year mark, and a roof past it can get repriced or dropped at renewal. State law — Fla. Stat. 627.7011 — shapes how older roofs are covered (GreatFlorida). Pull your install date before the season so you know where you stand.
Last, weigh a wind mitigation inspection — it does double duty. A hip roof, a nailed deck, secondary water resistance, and roof-to-wall straps all lower your premium and help the roof stay on the house in a hurricane. A licensed inspector records them on form OIR-B1-1802. Our wind mitigation inspection guide walks through what's checked and what it's worth.

The insurance side: get your record straight now

Half of prep is paperwork. How a claim goes is decided long before the storm — and it's decided now, in the quiet months. Two things are worth knowing before June.

First, the documentation you took in the checklist is the single most useful thing you can have. Insurers deny plenty of roof claims by calling the damage pre-existing wear. Dated photos from before the season are the answer to that — they show the roof was sound, so damage that appears after a storm reads as storm damage. Take them now, while the sky is clear and there's nothing to argue about.

Second, know how your roof's age exposes you. If your roof was built before March 1, 2009, it falls under Florida's 25% rule: when a storm damages more than a quarter of it, code can force a full replacement instead of a repair (All Points Tile). That turns a patch job into a full re-roof, which is a very different number. Our guide to the 25% rule explains how it works and who it hits. If your roof is that old, the season is a good reason to price a replacement on your own terms rather than an emergency one — you can start with the local ranges for Cape Coral or Fort Myers, the areas Ian aged hardest.

Pricing a replacement before the season?

If your roof is past 15 years or falls under the 25% rule, planning a re-roof now beats having a storm force one on you. Tell us about your roof and we'll connect you with licensed local roofers for free replacement quotes — on your schedule, not a claim's.

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After a storm: document, tarp, file on time

If a storm does hit and the roof takes damage, the first hours matter. Move through it in order and don't skip the paperwork.

Document the damage first

Before you cover anything or clean anything up, photograph it. Get the missing shingles, the bent flashing, the water stains inside, the debris on the roof. Wide shots and close-ups. This is the after half of the before-and-after that carries a claim, so be thorough while the damage is fresh.

Tarp it to stop the water

Once you've documented it, get a tarp over the opening to keep rain out. A roof left open keeps taking on water long after the wind stops, and that spreading damage can become your problem instead of the storm's. Keep every receipt — the tarp, the labor, any emergency repair — because reasonable steps to prevent further damage are generally part of what a policy covers.

File within Florida's window

Florida sets hard deadlines. You generally have one year from the date of the storm to file a new claim, and 18 months for a supplemental claim, under Fla. Stat. 627.70132 (Florida Senate). Report the damage to your insurer while the timeline is well inside those limits. Our guide to filing a roof insurance claim covers the steps in detail.

If a contractor shows up after the storm promising a free roof, walk away — Florida law (SB 76) put real limits on that pitch, and the roofers who lead with it are usually the ones to avoid. File when you have real storm damage and let a licensed roofer and your adjuster sort out the scope. If you're inland in Ocala or on the Treasure Coast in Port St. Lucie, the process is the same — the only thing that really changes is the local price of the repair.

Hurricane roof prep FAQ

When is hurricane season in Florida?

The Atlantic hurricane season runs June 1 through November 30 every year, according to the National Hurricane Center. That six-month stretch is when almost every storm that threatens Florida forms, so it is the window your roof has to be ready for.

What should I do to my roof before a storm?

Get it inspected for loose or missing shingles, worn flashing, popped nails, and soft decking. Trim tree limbs that hang over the roof, clear the gutters and drains, and secure or store anything in the yard that wind can turn into a projectile. Then take dated photos of the roof so you have a record of its condition before anything hits.

Should I get a roof inspection before hurricane season?

Yes, ideally in the spring before June 1. A licensed roofer or inspector can catch the small problems — a lifted shingle, a cracked boot, a nail backing out — that a hurricane turns into a torn-open roof. Fixing them in May is cheap. Fixing them after a storm means a tarp, a claim, and a wait.

Does documenting my roof help an insurance claim?

It helps a lot. Dated photos taken before the season give you a baseline that shows the roof was sound before the storm. If you later file a claim, that record makes it harder for anyone to argue the damage was old wear-and-tear instead of storm damage. Keep the photos somewhere you can find them after a power outage.

What do I do right after storm damage?

Document the damage with photos before you touch anything, then tarp the roof to stop more water from getting in and keep the receipts for the tarp and any emergency work. In Florida you generally have one year to file a new claim and 18 months for a supplemental claim under Fla. Stat. 627.70132, so report it to your insurer while the timeline is fresh.

Is a wind mitigation inspection worth it before the season?

For most Florida homeowners, yes. A wind mitigation inspection documents features like a hip roof, a nailed deck, secondary water resistance, and roof-to-wall straps. Those features lower your premium and, more to the point, help the roof stay on the house during a hurricane. Booking one before the season means the credits and the protection are both in place when you need them.

Does my roof age change how a storm claim goes?

It can. Florida insurers watch the 15-year mark closely, and Fla. Stat. 627.7011 shapes how older roofs are covered and priced. A roof built before March 1, 2009 also falls under the 25% rule, which can force a full replacement instead of a patch if a storm damages more than a quarter of it. Knowing your roof age before the season tells you how exposed you are.

Get your roof checked before the next storm

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