Storm Damage Repair in Naples, FL

Sudden damage entering through a storm-created opening — a wind-torn roof, a broken window — is generally covered under a standard Florida policy. Flood damage from rising water is excluded and requires separate flood insurance. Gradual leaks and long-term seepage are also typically excluded, which is why prompt reporting and dated photos matter so much to the outcome.

Most storm damage work is paid through a homeowners insurance claim, so your out-of-pocket cost is typically your hurricane or wind deductible rather than the full repair price. Florida hurricane deductibles are usually a percentage of dwelling coverage. We tell you before you file whether the likely scope exceeds your deductible.

Yes. Documenting damage helps with insurance claims, and we prepare complete packages built to adjuster standards, then coordinate directly with your adjuster through approval. Under Florida law, your insurance company must acknowledge your claim within 7 calendar days and pay or deny it within 60 days.

Emergency tarping begins as soon as the property is safe to access. Temporary repairs prevent further damage and are often reimbursable through your insurer. Insurance coordination is usually the longest phase and typically runs several weeks. Targeted repairs may finish in a day or two once approved, while full replacement generally runs one to three weeks.

When damage is extensive, the Florida Building Code may require bringing the roof to current standards — wind-rated materials, proper deck attachment, upgraded underlayment, and a secondary water barrier. Most structural work requires a building permit in Naples after a storm, and we document every required upgrade for insurance submission.