Signs you need a crew now
- Missing shingles, or daylight visible in the attic
- A broken window, door, or hole the rain can reach
- Water running down interior walls or pooling in the attic
- A tree or limb on the roof - stay out of that room
What happens when you call
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Tell us what happened. 30 seconds - what's open to the sky and what's wet.
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You're connected with a local restoration crew while you're on the line.
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The crew confirms timing and your arrival time - tarping and board-up come first.
Why this one can't wait
An opening in the roof turns every following shower into a new loss - and your policy expects "reasonable mitigation," which means tarping and boarding fast, not waiting for the adjuster.
The crew secures the openings, photographs everything for the claim, extracts what already got in, and dries the structure before mold takes the storm's side.
Local to Miami-Dade County
Miami-Dade runs on year-round humidity - wet drywall here can show mold in 24 to 48 hours, faster than almost anywhere else. Hurricane season drives wind-borne rain through windows, sliders, and flat CBS roofs, and salt air corrodes fittings and water-heater tanks well ahead of schedule.
Florida policies may have a separate hurricane deductible. Whether it applies depends on the storm and the statutory hurricane period. Check your policy. Everyday water losses like burst pipes use your standard deductible.
Serving Miami, Hialeah, Coral Gables, Miami Beach, Kendall, and all of Miami-Dade County.
Storm damage questions
Is storm damage covered by insurance?
Wind and hail damage - including the rain that enters through it - is standard homeowner's coverage. Rising water from outside is flood insurance, a separate policy. See the coverage guide.
Should I wait for the adjuster before touching anything?
Generally, no. Most policies require reasonable steps to prevent further damage. Photograph everything first, then, once it's safe, tarp and start drying. Keep receipts and records of what was done before the adjuster's visit.
Can I tarp the roof myself?
Not in the wet or the dark, and not after a storm has loosened things underfoot. Crews carry the gear and the fall protection - it's included in the mitigation the policy pays for.
How does my hurricane deductible affect a water claim?
Florida policies may have a separate hurricane deductible. Whether it applies depends on the storm and the statutory hurricane period. Check your policy. A burst pipe in July typically uses your standard deductible - check your declarations page for both numbers.