What to Do After Storm Damage to Your Florida Home

Florida storm and hurricane damage creates a narrow window where the right actions protect both your property and your insurance claim. Rapid Restore connects you 24/7 with a vetted local contractor for emergency mitigation, and helps you keep the claim documentation on track.

First steps after the storm passes

1. Confirm the structure is safe before entering. Watch for downed power lines, gas odors, and standing water near electrical.
2. Document everything with photos and video before moving or cleaning anything.
3. Prevent further damage with reasonable temporary measures (board-up, roof tarp). Most policies require this duty to mitigate.
4. Notify your insurance carrier promptly and record the claim number and adjuster name.
5. Keep receipts for any emergency expenses such as tarps, lodging, or essentials.
6. Call Rapid Restore to get matched with a vetted contractor for mitigation and documentation.

How long do you have to file a storm claim?

Florida law sets deadlines for property insurance claims, and recent changes have shortened some windows. As a general rule, notify your carrier as soon as reasonably possible after the loss. Check your specific policy and current Florida statute, or ask your agent or a public adjuster, because waiting can jeopardize coverage.

Covered vs typically excluded

• Wind-driven rain entering through storm-created openings is generally covered.
• Storm surge and ground-water flooding are generally excluded and need a separate NFIP or private flood policy.
• Damage from deferred maintenance or pre-existing wear is typically excluded.