Storm damage restoration in Greater Orlando

There is no fixed number of hits. An adjuster works from a test square — usually 10 ft by 10 ft — and counts bruises or fractures within it. Enough impacts in enough squares and they total the slope; too few and you get a repair or nothing. What matters more in Florida is the date: a hail bruise that has been there two years reads as wear, not as a sudden event, and that is the ground most Florida hail claims are denied on.

Yes, but far less than the Plains states, and it is a spring and early-summer phenomenon rather than a hurricane-season one. Most roofs we are called to look at after a reported hail event turn out to have wind damage instead — lifted tabs and broken seals rather than bruising. That distinction decides which peril the claim is filed under, so it is worth getting right before anyone files.

Hail leaves round, randomly scattered bruises that feel soft under a thumb and often knock granules off in a circle; the mat underneath is fractured. Wear is uniform, follows the sun, and shows as granule loss in sheets rather than spots. Blistering looks similar to hail and is not storm damage at all. Photographs with a chalk circle and a date are what an adjuster wants.

Under the 2022 changes (SB 2-A), notice of a new or reopened property insurance claim must generally be given within one year of the date of loss, and a supplemental claim within 18 months. Those windows are much shorter than they used to be, so documenting damage early matters.

Yes, with the documentation — and no, not with the filing. We give you a thorough written and photographic damage report and we will meet your adjuster on the roof. What we will not do is file on your behalf, take an assignment of benefits, or offer to cover your deductible — Florida law (s. 489.147) prohibits a contractor from offering anything of value to induce a claim, and assignment of benefits is barred on policies issued since 2023. Anyone promising otherwise is telling you something that isn't legal.

Usually a few hundred dollars depending on how much area has to be covered and how steep the roof is. Keep the invoice — emergency mitigation is frequently reimbursable under the policy.

That happens, and it's often a question of evidence rather than fact. Dated photographs of directional wind damage, creased shingles and matching damage on fences and screens make the difference. You can also request a reinspection or use the Florida Department of Financial Services mediation program.

Yes. JAC Builders holds a certified general contractor licence as well as a roofing licence, so drywall, ceilings, paint, insulation and exterior repairs can be part of the same project.

Tarping and active leaks go first, and we work through the queue by severity. Call the line for your area and you'll get a real place in the schedule, not a promise nobody can keep the week after a hurricane.