Roof Replacement
Full tear-off, decking inspected and repaired, then a complete system installed — usually one to two days on a typical Florida single-family home.
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What should I do first after hurricane roof damage?
Make the house safe, stop further water entry, then document everything before it is disturbed. In that order. Photograph the damage and the interior, keep every receipt including emergency tarping, and notify your insurer — under Florida's 2022 reforms (SB 2-A) you generally have one year from the date of loss to give notice of a new claim, and 18 months for a supplemental claim.
Step 1 of 2
Pricing your roof…
One momentGot it — an estimator will call.
They will want to walk the roof: the drainage, the access and the deck are what price a flat system, and none of it shows up from the air.
One contract, one company responsible — JAC is a licensed general contractor as well as a roofer.
Got it — we have your details.
You are outside Tampa Bay and Central Florida, so this is a call rather than a price. Someone will tell you straight whether we can get to you.
If we cannot, we will say so and point you at someone who can. A roofer who drives two hours to a job is a roofer who is not there when it leaks.
Got it — we have your details.
A roofer from the Tampa Bay office will call you to book your free inspection. You get the same written roof report, photographed slope by slope, and a fixed price once someone has actually been on the roof.
We do not show an instant price on the Gulf Coast. The aerial pricing tool only covers Central Florida, and a number we cannot stand behind is worse than no number at all.
- 1Drop in your address. Street and number is plenty.
- 2We call down the satellite. It photographs your roof from orbit while you wait.
- 3An estimator calls you with the price. Shingle, metal or flat — a real number for your roof, not a screen guess.
Nobody turns up unannounced. An estimator calls you at a time you agree to, with the price.
Hour one: safety
Stay off the roof. Treat every downed line as live, cut power to any room with water near fixtures, and leave the house if the ceiling is sagging. Nothing on the roof is worth a fall from a wet slope.
Hours one to twelve: stop the water
Emergency tarping or shrink-wrap, buckets and plastic over what you can't move. Most policies require the insured to take reasonable steps to prevent further damage — and that mitigation cost is frequently reimbursable, so keep the invoice.
Day one: document before you clean up
Photograph everything from multiple angles — roof, soffits, fascia, screens, fences, interior ceilings, wet insulation — with timestamps. Photograph the debris before you move it. Write down the date, the wind direction and what you heard; detail like that is what distinguishes a storm claim from a wear-and-tear denial.
Day one to three: notify, then get an independent inspection
Call your carrier to open the claim. Then get a roofing contractor's own documented inspection — an adjuster covering hundreds of properties after a landfall is working fast, and having your own plane-by-plane photographs changes that conversation.
What a contractor may not do, in Florida
Under s. 489.147, a contractor may not offer anything of value to induce you to file a claim — including paying, waiving or rebating your deductible — and may not solicit you door-to-door or in writing to make a claim. Assignment of benefits is prohibited on policies issued since 2023. Anyone offering those things after a storm is telling you something that is not legal.
Watch the deadlines
One year to give notice of a new or reopened claim; 18 months for a supplemental. Those windows were shortened in 2022 and a lot of homeowners are still working from the old two-year assumption.
Need this doing rather than reading about? Storm Damage Restoration — Emergency tarping · free damage report.
This page is general information, not legal or insurance advice. Florida statutes and the Florida Building Code change; the citations here were checked in October 2026. For advice on your own policy or claim, speak to your agent, your carrier, or the Florida Department of Financial Services. JAC Builders does not interpret insurance policies — Florida law (s. 489.147) reserves that to licensed public adjusters.
Related questions
Should I file a claim for minor damage?
Compare the repair estimate against your hurricane deductible, which is usually a percentage of the dwelling coverage and can be substantial. Document the damage either way — you can decide later, but you can't document later.
How long does emergency tarping last?
A properly installed tarp will generally hold for 30–90 days. It is a bridge to the repair, not a repair.
Can I pick my own contractor?
Yes. You are not required to use a contractor your insurer recommends, and you are entitled to a licensed contractor of your choosing.
What we do
Roof Repair
Pipe boots, lifted ridge cap, failed valley flashing, cracked tiles. We fix what is broken, and say so plainly when a repair is only buying months.
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Storm Damage Restoration
Tarp and dry-in first, then photograph the roof plane by plane and put it in writing — a report you can hand straight to your insurance carrier.
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Free Roof Inspection
A written, photographed report on every slope, flashing and penetration, with the remaining life. Free, and yours to keep whether you hire us or not.
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Shingle Roofing
Architectural shingle installed as a complete system: underlayment, fastening pattern, metal and ventilation. Owens Corning Platinum Preferred.
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Tile Roofing
On tile the underlayment is the waterproofing, so most Florida tile work is re-underlayment: tiles off, a new system down, the same tiles back on.
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Metal Roofing
Standing seam and 5V crimp — 40 to 70 years, high wind ratings, and it sheds heat instead of holding it. Two to three times shingle up front.
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Commercial Roofing
TPO, modified bitumen and flat systems, phased building by building so tenants keep trading and every unit is dried in before we leave each night.
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Exteriors & Custom Builds
Gutters, soffit and fascia, re-roofing under an existing solar array, and the interior damage under a leak. We hold the general contractor's licence, so it is one contract, not two.
See detailsFree roof inspection. Written report. No obligation.
Mon–Fri 8am–5pm · Sat 8am–12pm · storm and active-leak calls answered after hours. Call Tampa Bay on (813) 920-9644 — or send your address and we'll come and look at it.