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Aerial view of Florida neighborhood after storm — ToyoRoofing storm damage repair

Licensed Roofing Contractor — Central Florida

Storm Damage Roof Repair in Florida

After a hurricane or severe storm, fast response prevents secondary damage. ToyoRoofing inspects, documents, and repairs storm damage — and assists with your insurance claim.

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Act Fast

Why act fast after storm damage?

Florida storms — hurricanes, tropical systems, and severe thunderstorms — can cause immediate or latent roof damage. Delaying inspection and repair leads to compounding costs:

  • Water intrusion through damaged shingles or flashing leads to mold within 24–48 hours
  • Insurance claims in Florida have strict post-storm filing deadlines
  • Secondary damage from exposed roof decking can compromise structural integrity

What does our storm damage service include?

Storm damage repair includes:

  • Emergency inspection and temporary tarping to stop active water intrusion
  • Complete damage documentation with photographs for insurance adjuster
  • Itemized repair estimate in insurance-compatible format
  • Replacement of wind-lifted, cracked, or missing shingles
  • Flashing repair around all penetration points
  • Gutters and fascia repair if storm-damaged
  • Florida SB 2A compliant documentation and procedures
  • Written warranty on all completed repairs
ToyoRoofing crew documenting and repairing storm damage on a Florida roof
Why ToyoRoofing

What advantages does ToyoRoofing offer?

  • 10+ years of post-storm repair experience in Florida
  • Emergency response — we can tarp and secure your roof fast
  • Insurance claim documentation that adjusters accept
  • In-house crew — no subcontractors, full accountability
  • Florida SB 2A and Building Code compliant procedures
  • Bilingual team — full service in English and Spanish
Code Compliance

Florida Wind Resistance Requirements & Building Code

Florida requires residential roofing to comply with Florida Building Code (FBC) Chapter 15, which sets strict wind resistance standards. After a hurricane or tropical storm, all replacement materials must meet or exceed these requirements:

Class F (ASTM D3161)

Certified wind resistance up to 110 mph — required throughout most of Central Florida.

Class H (ASTM D3161)

Certified wind resistance up to 150 mph — for higher-exposure zones or full roof replacements.

Florida SB 2A (2023)

Limits assignment of insurance benefits and strengthens documentation requirements for storm claims.

ToyoRoofing uses only FBC-compliant materials on every post-storm repair or replacement. Each job includes the compliance documentation required by insurance adjusters and local authorities.

Protect your home today! Professional solutions for roofs, gutters, and exteriors.

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Step-by-step service process

  1. 1 Emergency inspection and temporary protection (tarping)
  2. 2 Full damage documentation for insurance claim
  3. 3 Repair or replacement by our in-house crew
  4. 4 Final inspection, insurance follow-up, and warranty
Insurance Claims

How to navigate your roof insurance claim

The difference between an approved and a denied claim often comes down to documentation and timing. Here's what you need to know:

ACV — Actual Cash Value

Pays the depreciated value of your roof based on age and condition. A 15-year-old roof may yield only a fraction of replacement cost. Common in lower-premium policies.

RCV — Replacement Cost Value

Pays the full cost to replace your roof with new equivalent materials, with no depreciation deduction. Provides greater protection at higher premiums. Review your policy before filing.

Critical deadline: In Florida, you have 1 year from the date of the storm event to file a claim for wind or storm damage (Florida Insurance Law §627.70132). Don't wait — early documentation strengthens your case.

  • We document damage with dated, geo-referenced photographs
  • We prepare estimates in Xactimate-compatible format (industry standard)
  • We can meet with your insurance adjuster on-site to ensure a complete evaluation
  • We walk you through every step of the claims process in English or Spanish, no pressure
Roof Repair
Roof Repair
Roof Replacement
Roof Replacement
Leak Repair
Leak Repair
FAQ

Common Questions About Storm Damage Repair

We prioritize storm damage calls and typically inspect within 24–48 hours. For active leaks, we can apply emergency tarping the same day in Orlando, Lake Mary, and Sanford. Call us immediately after storm impact.
Most Florida homeowner policies cover wind and storm damage, subject to deductible and coverage terms. Florida SB 2A (2023) changed some assignment-of-benefits rules. ToyoRoofing helps you navigate the process — we document the damage and can accompany your adjuster during the inspection.
ACV (Actual Cash Value) pays the depreciated value of your roof. RCV (Replacement Cost Value) pays the full cost of replacement with new materials. We'll help you understand your policy terms and ensure your claim reflects the actual scope of damage.
Even minor damage deserves prompt attention in Florida's climate. A few lifted shingles or compromised flashing become a significant leak during the next storm. Our free inspection documents everything — you decide how to proceed with no pressure.

Start Today —
Your Roof Protected Tomorrow

  • No commitment, no hidden surprises
  • Protect your home from leaks and major damage
  • Peace of mind with local experts on your side

Address

1540 International Pkwy
Lake Mary, FL 32746