Florida storm damage repair & claim deadlines
From hurricanes & named storms and wind to your filing deadline, here's storm damage repair across Florida: browse your county, get matched to an independent local pro, and see how Florida claim rules affect you.
Storm climate
Why Florida sees so many storm claims
Florida lives with hurricane and named-storm risk from June through November — the highest tropical exposure in the country — plus near-daily summer thunderstorm wind and spin-up tornadoes. Wind-driven rain intrusion is the defining claim, though a coastal peninsula county and an inland panhandle county experience a named storm very differently. Across Florida's 67 counties, the roofs most exposed to hurricanes & named storms and wind see the heaviest claim volume during the June–November hurricane season.
Statewide framing only goes so far in a state this varied. Florida carries at least 4 distinct storm regimes — the southeast coast, the northeast coast, the interior peninsula, and the panhandle — and each county page below says which one it sits nearest rather than applying one pattern to all of them.
Florida counties we serve
Find storm damage repair in your county — the pros we match you with are vetted for licensing and insurance. Largest Florida counties first:
Miami-Dade County
~2,686,867 residents · Miami
Storm damage repairBroward County
~1,962,531 residents · Fort Lauderdale
Storm damage repairHillsborough County
~1,535,564 residents · Tampa
Storm damage repairPalm Beach County
~1,533,801 residents · West Palm Beach
Storm damage repairOrange County
~1,471,416 residents · Orlando
Storm damage repairDuval County
~1,030,822 residents · Jacksonville
Storm damage repairPinellas County
~961,596 residents · St. Petersburg
Storm damage repairLee County
~834,573 residents · Cape Coral
Storm damage repairPolk County
~818,330 residents · Lakeland
Storm damage repairBrevard County
~643,979 residents · Palm Bay
Storm damage repairPasco County
~632,996 residents · Zephyrhills
Storm damage repairVolusia County
~590,357 residents · Deltona
Storm damage repairAll 67 Florida counties
- Alachua County
- Baker County
- Bay County
- Bradford County
- Brevard County
- Broward County
- Calhoun County
- Charlotte County
- Citrus County
- Clay County
- Collier County
- Columbia County
- DeSoto County
- Dixie County
- Duval County
- Escambia County
- Flagler County
- Franklin County
- Gadsden County
- Gilchrist County
- Glades County
- Gulf County
- Hamilton County
- Hardee County
- Hendry County
- Hernando County
- Highlands County
- Hillsborough County
- Holmes County
- Indian River County
- Jackson County
- Jefferson County
- Lafayette County
- Lake County
- Lee County
- Leon County
- Levy County
- Liberty County
- Madison County
- Manatee County
- Marion County
- Martin County
- Miami-Dade County
- Monroe County
- Nassau County
- Okaloosa County
- Okeechobee County
- Orange County
- Osceola County
- Palm Beach County
- Pasco County
- Pinellas County
- Polk County
- Putnam County
- Santa Rosa County
- Sarasota County
- Seminole County
- St. Johns County
- St. Lucie County
- Sumter County
- Suwannee County
- Taylor County
- Union County
- Volusia County
- Wakulla County
- Walton County
- Washington County
Largest Florida cities we serve
Florida claim deadline
Filing deadlines & deductibles in Florida
Reporting: Florida: report promptly, Florida's deadlines are among the shortest in the country after recent reforms.
Deadline: General guidance: under Florida's 2022–2023 reforms, a new or reopened property claim generally must be filed within 1 YEAR of the date of loss, and a supplemental claim within 18 months (down from 2 years). These are strict, confirm the current deadline for your loss and policy.
Deductibles: Florida coastal policies carry a separate hurricane/named-storm deductible (commonly 2%–5% of dwelling coverage) that applies per season for named storms.
General information, not legal advice — verify with Florida Dept. of Financial Services / Office of Insurance Regulation (myfloridacfo.com). For the full picture, read our claim time limits by state and roof deductibles guides.
Florida storm claim FAQ
How long do I have to file a storm damage claim in Florida?
General guidance: under Florida's 2022–2023 reforms, a new or reopened property claim generally must be filed within 1 YEAR of the date of loss, and a supplemental claim within 18 months (down from 2 years). These are strict, confirm the current deadline for your loss and policy. Florida: report promptly, Florida's deadlines are among the shortest in the country after recent reforms. This is general information, not legal advice — verify your specific deadline with Florida Dept. of Financial Services / Office of Insurance Regulation (myfloridacfo.com).
How do Florida wind and hail deductibles work?
Florida coastal policies carry a separate hurricane/named-storm deductible (commonly 2%–5% of dwelling coverage) that applies per season for named storms.
Are the contractors you match me with in Florida licensed and insured?
Yes — we match you with one independent local roofing or restoration contractor screened for active licensing (where Florida or the local jurisdiction requires it) and insurance. We're a referral service, not a contractor, so always verify credentials before signing; the independent pro is responsible for the work.
Have an active leak right now? Call (561) 220-0117 for 24/7 emergency response.
Storm damage in Florida? Talk to an independent local pro.
Call for 24/7 emergency response, or take the 60-second quiz. A licensed local pro inspects for free and helps with your claim.