Do I need a tarp if the roof is not leaking yet?

If shingles are lifted, creased or missing, yes. The underlayment is exposed and the next rain goes into the decking and the attic. Policies also require you to take reasonable steps to prevent further damage, and a tarp is the step the insurer expects to see. Keep the receipt.

What is the deadline to file a hurricane roof claim in Florida?

Under Florida Statute 627.70132 you must give your insurer notice of a hurricane claim within one year of the date of loss, and for a hurricane the date of loss is the landfall date. Isaias made landfall on October 9, 2026, so notice is due by October 9, 2027.

Does homeowners insurance cover hurricane roof damage in Florida?

Wind damage from a named hurricane is covered under the windstorm portion of a standard Florida homeowners policy, subject to your hurricane deductible, usually 2 to 5 percent of the dwelling coverage. Water that came in through the wind-damaged roof is typically covered as part of the same loss.

Hurricane Isaias storm response · Milton · Destin · Pensacola

Storm Damage Roof Repair & Emergency Tarping in Milton, Destin & Pensacola

Lifted shingles, missing ridge caps, a tarp that needs to go on today. AEVO Pro is a veteran-owned Florida roofing company, in business since 1977, with crews in the Panhandle now. We tarp it, document it for your claim, and repair or replace it.

Call (850) 407-3140 Request a Free Roof Inspection

Veteran-owned since 1977Licensed & insuredShingle, metal, tile & flatFree roof inspection

Who we are

Who's coming to your roof

AEVO Pro is a veteran-owned, licensed and insured Florida contractor. We have worked residential and commercial roofs across Florida, Georgia, the Carolinas, Louisiana and Texas since 1977, and we have crews staged in Milton and Destin for the length of this recovery. Every inspection is free, every estimate is itemized, and every job is documented the way an insurer needs to see it.

Residential roofing

Shingle, metal, tile and flat systems on single-family homes, townhomes and condos. Storm repair and full replacement.

Commercial roofing

Low-slope and metal roofs on retail, office, church and multi-family buildings. Emergency dry-in so you can stay open.

Emergency storm work

Tarping, temporary dry-in and leak stops, photographed and receipted so the insurer sees you prevented further damage.

What we do

Every kind of storm roof damage, one crew.

Emergency roof tarping

Properly anchored tarps over lifted, torn and missing sections so the next rain stays out while the claim moves. Photographed and receipted for the file.

Storm damage roof repair

Lifted and creased shingles, missing ridge caps, torn flashing, punctures from debris, bent drip edge. Fixed to code, not patched.

Roof replacement

When the insurer's scope or Florida's building code calls for a full replacement rather than a patch, we handle it under the same claim.

Leak tracing & attic inspection

Where the water actually got in, how far it traveled, and what it soaked on the way down. Moisture-mapped, not guessed.

Shingle, metal, tile & flat

Architectural shingle, standing-seam metal, concrete and clay tile, modified bitumen and TPO on low-slope roofs.

Insurance documentation

Photos, moisture readings and an itemized scope written the way the carrier reads it, so the roof claim gets paid for what is actually there.

What the storm did

Most roofs didn't come off. They were lifted.

Water stain spreading across a ceiling and down the drywall from a storm-damaged roof

Wind gets under the edge of a shingle, creases the tab, breaks the seal strip, and lays it back down. From the street the roof looks fine. From the attic, every rain since October 9 has been coming through the underlayment into the decking and the insulation.

Wet insulation holds water for weeks. It shows up as a ceiling stain, then bubbling paint, then a sag. By then the decking under the shingles is soft, and a repair that would have been a few squares becomes a section of roof.

If you are not sure whether your roof was hit: that is exactly what the free inspection is for. We look from the roof and from the attic, and we tell you honestly if there is nothing to claim.

How it works

Call. Inspect & document. Tarp. Repair or replace.

Four steps, one crew, one itemized scope from the first visit to the last shingle.

Call

You tell us what you are seeing. We tell you what to do in the next hour and schedule the inspection.

Inspect & document

Roof and attic. Photos, moisture readings and an itemized damage report, written the way an insurer reads it.

Tarp

Emergency tarp or dry-in over the damaged section, photographed and receipted. The damage stops getting worse.

Repair or replace

Scoped against your policy, permitted, built to the Florida Building Code, and documented for the claim. Deadline for notice on this storm: October 9, 2027.

Where the crews are working

Santa Rosa, Okaloosa and Escambia counties

Santa Rosa County

Milton, Pace, Gulf Breeze, Navarre, Jay and the communities north of I-10 that took the heaviest debris.

Okaloosa County

Destin, Fort Walton Beach, Niceville, Crestview, Mary Esther and Shalimar, from the landfall point inland.

Escambia County

Pensacola, Pensacola Beach, Cantonment, Perdido Key and the neighborhoods that saw the strongest gusts.

Roof questions people are asking this week

Straight answers

Do I need a tarp if nothing is leaking yet?

If shingles are lifted, creased or missing, yes. The underlayment is exposed and the next rain goes into the decking. Your policy also requires reasonable steps to prevent further damage, and a tarp is the step the insurer expects to see. Keep the receipt.

What is the deadline to file a roof claim?

Under Florida Statute 627.70132 you must give notice within one year of the date of loss, and for a hurricane that is the landfall date: October 9, 2026. So notice is due by October 9, 2027. A supplemental claim, if the first payment falls short, gets 18 months.

Does my homeowners insurance cover hurricane roof damage?

Wind damage from a named storm is covered under the windstorm part of a standard Florida policy, subject to your hurricane deductible, which is usually 2 to 5 percent of your dwelling coverage rather than a flat number. Water that came in through the wind-damaged roof is normally part of the same loss.

How much does hurricane roof repair cost?

It depends on what the inspection finds, and after a hurricane most of it should be the insurer's cost, not yours, beyond the deductible. We give you an itemized scope before any work and the same scope goes to the carrier. We do not quote a number over the phone that the roof has not earned.

Will my roof have to be fully replaced because of Florida's 25% rule?

Not necessarily anymore. Since 2022, roofs built to the 2007 Florida Building Code or later can be repaired rather than replaced even when more than 25 percent is damaged. Older roofs may still fall under the full-replacement rule. We check the permit history on your roof at the inspection and tell you which side of the line you are on.

Can you match my existing shingles or tile?

Usually, and when we cannot, we tell you before the work starts, because a mismatch is something the insurer's scope should address. We bring samples to the inspection.

Are you local?

We are a Florida company, veteran-owned and operated since 1977, with crews staged in Milton and Destin for the length of this recovery. We are not from Milton, and we will not pretend to be. What we will do is show up when we say, document everything, and build it to code.

Free roof inspection

Call now, or tell us what you are seeing and we will call you.

(850) 407-3140

Milton, Destin, Pensacola and everywhere in between. Tarp, repair, replacement, one crew.

Request a roof inspection

Takes 30 seconds. A person calls you back, not a call center.

Got it. We will call you shortly. If water is coming in right now, call (850) 407-3140.