Storm Damage Emergency Guide

TL;DR: After storm damage: ensure safety first, document all damage with photos before cleanup, call emergency roofer for tarping (727-914-9145), file insurance claim within 72 hours. Don’t make permanent repairs until adjuster documents damage.

Quick Answer

Safety Assessment: Before You Enter

Exterior Safety Check

Before entering your property after a storm, perform this safety assessment from a safe distance:

STOP - Do Not Enter If You Observe:

If ANY of These Are Present:

1. Call 911
2. Call utility companies (gas, electric)
3. Wait for professionals to clear the property
4. Do not attempt entry for any reason

Interior Safety Check

If exterior appears safe, enter cautiously:

STOP and Exit If You Notice:

• Strong gas odor (leave immediately, call 911)
• Ceiling sagging or bulging (water weight = collapse risk)
• Exposed wiring or sparking
• Cracks in walls or foundation
• Floors feeling unstable
• Strange structural sounds (creaking, popping)

Safe Entry Protocol:

1. Open door slowly and listen for sounds
2. Use flashlight (don’t turn on lights if structure is compromised)
3. Stay near exits
4. Check each room carefully before entering
5. Watch for wet floors, broken glass, debris

Emergency Response Timeline

First 30 Minutes

Priority Actions:

1. Ensure Family Safety

• Account for all family members
• Move to safest area of home (interior room, away from damage)
• Check for injuries, administer first aid
• Keep children and pets away from damaged areas

2. Shut Off Utilities If Necessary

3. Initial Damage Assessment

• From safe position, observe extent of damage
• Note areas with active water intrusion
• Identify immediate hazards

First 2 Hours

Documentation and Containment:

1. Photograph Everything

• All exterior damage from multiple angles
• All interior damage (ceilings, walls, floors)
• Damaged personal belongings
• Debris that caused damage (tree limbs, etc.)
• Neighboring properties (proves storm severity)

2. Video Walkthrough

• Narrate what you’re seeing
• State date, time, your address
• Include all affected areas
• Save immediately to cloud storage

3. Water Containment

• Place buckets/containers under all leaks
• Move furniture away from wet areas
• Put plastic sheeting over valuables
• Open windows slightly (if safe) to reduce humidity

First 24 Hours

Professional Response and Claims:

1. Call Emergency Roofer

• Rain Right Roofing: (727) 914-9145
• Request emergency tarping
• Typical response: 2-24 hours depending on storm severity
• Get on the list early (demand surges after major storms)

2. File Insurance Claim

• Call insurance company claims hotline
• Report damage within 72 hours
• Get claim number and adjuster contact
• Ask about coverage for emergency repairs

3. Emergency Repairs

• Tarping is OK and expected
• Keep all receipts
• Document all emergency repairs
• Don’t make permanent repairs yet

Emergency Tarping Guide

When Professional Tarping Is Required

Call Professionals For:

Professional Tarping Costs:

Costs and timelines increase significantly after major hurricanes due to demand

DIY Tarping (Single-Story, Minor Damage Only)

Requirements for DIY:

• Single-story home
• Damage under 100 sq ft
• Dry weather conditions
• Roof pitch under 6/12
• You have proper safety equipment
• Another adult present for safety

Supplies Needed:

• Heavy-duty tarp (6-mil minimum, larger than damage area by 4+ feet each side)
• 2x4 lumber boards
• Roofing screws (not nails)
• Cordless drill
• Rope or bungee cords
• Work gloves, safety glasses

DIY Tarping Steps:

1. Prepare tarp: Extend 4 feet beyond damage in all directions
2. Secure top edge: Sandwich tarp between two 2x4 boards, screw to roof
3. Secure sides: Use furring strips every 2 feet
4. Weight bottom: Use sandbags or secured boards
5. Check for pooling: Ensure water can run off (no pooling)

NEVER:

• Walk on wet roof
• Work alone
• Use only nails through tarp (tears immediately)
• Attempt in high winds
• Skip safety equipment

Insurance Claim Process

Filing Your Claim

Within 72 Hours of Damage:

1. Call Insurance Claims Hotline

   • Have policy number ready
   • Describe damage clearly
   • Get claim number (write it down)
   • Get adjuster contact information
   • Ask about emergency repair coverage

2. What They’ll Ask:

   • Date and time of damage
   • Type of damage (wind, hail, tree, flooding)
   • Extent of damage (your assessment)
   • Whether home is habitable
   • Emergency repairs performed

3. Document the Call:

   • Date and time of call
   • Name of representative
   • Claim number assigned
   • Next steps outlined
   • Promised response timeline

Before the Adjuster Visit

Preparation Checklist:

• All photos and videos organized
• List of all damaged areas
• List of damaged personal property
• Your own contractor’s estimate (if obtained)
• Emergency repair receipts
• Clear access to all damaged areas
• Your contractor available to attend

Have Your Contractor Present:

• They identify damage adjuster may miss
• Can explain repair requirements
• Provides professional documentation
• Negotiates scope in real-time

What to Expect from Adjuster

Typical Adjuster Visit:

Your Role:

• Point out all damage areas
• Ask questions about their findings
• Request copy of their report
• Note any areas they didn’t inspect

When to Evacuate vs. Shelter in Place

Evacuation Required

Leave Immediately If:

Evacuation Procedure:

1. Alert all family members
2. Gather essentials (medications, documents, phone/charger)
3. Leave doors unlocked for emergency access
4. Don’t use elevators
5. Go to designated shelter or safe location
6. Contact insurance from safe location
7. Don’t return until cleared by authorities

Shelter in Place Appropriate

Stay If:

• Damage is contained to one area
• No structural concerns
• Utilities are functional or safely isolated
• No gas leaks or electrical hazards
• Water can be contained
• Home is stable and safe

While Sheltering:

1. Stay in undamaged areas
2. Keep damaged areas sealed off
3. Monitor for worsening conditions
4. Continue documentation
5. Wait for professional assessment

After Major Hurricanes

Tampa Bay Hurricane Response

Unique Challenges After Major Hurricanes:

Priority Actions After Hurricane

Hour 1-6 (After All-Clear):

1. Safety assessment of property
2. Documentation of all damage
3. Contact roofer for priority list
4. Basic water containment

Day 1:

1. File insurance claim
2. Emergency tarping (if available)
3. Secure property from additional damage
4. Contact mortgage company (if applicable)

Week 1:

1. Adjuster visit (if available)
2. Get contractor estimates
3. Begin water damage mitigation
4. Track all expenses

Week 2-4:

1. Follow up with insurance
2. Submit supplements if needed
3. Schedule permanent repairs
4. Continue documentation

Getting Priority Service

How to Get Faster Response:

1. Pre-existing relationship: Contractors prioritize existing customers
2. Call immediately: First callers get on list first
3. Be flexible: Take any available appointment
4. Be patient but persistent: Follow up daily
5. Have deposit ready: Contractors prioritize ready-to-go customers
6. Multiple contractors: Get on several lists

Water Damage Mitigation

Preventing Secondary Damage

Water damage worsens rapidly in Tampa Bay’s humid climate. Every hour matters.

Mold Timeline:

Immediate Mitigation Steps

1. Extract Standing Water

• Use wet/dry vacuum
• Mops and towels for small amounts
• Pump for significant flooding
• Remove water-logged items

2. Promote Air Circulation

• Open windows (if weather permits)
• Run ceiling fans
• Use box fans directed at wet areas
• Open closet and cabinet doors

3. Dehumidification

• Run dehumidifiers 24/7
• Empty collection tanks regularly
• Target 50% humidity or less
• Monitor with hygrometer

4. Remove Wet Materials

• Saturated carpet padding (usually not salvageable)
• Wet insulation
• Soaked cardboard boxes
• Any items with visible mold

5. Document Everything

• Photo before and after mitigation
• Keep damaged materials for adjuster
• Save receipts for all equipment/supplies

When to Call Water Damage Professionals

Call Professionals If:

Water Damage Professional Costs:

Usually covered by homeowners insurance

Emergency Supplies Checklist

Pre-Storm Emergency Kit

Have These Ready Before Storm Season:

Tarping Supplies ($150-250):

• Two 10x12 heavy-duty tarps
• 2x4 lumber boards (4-6)
• 1x2 furring strips (10)
• Roofing screws
• Cordless drill with charged batteries
• Hammer
• Rope and bungee cords
• Work gloves and safety glasses

Documentation Supplies:

• Camera or charged smartphone
• Backup battery pack
• Waterproof phone case
• Notepad and markers
• Measuring tape
• Flashlight with batteries

Water Mitigation:

• 5-gallon buckets (4-6)
• Plastic sheeting/tarps (interior use)
• Mops and towels
• Wet/dry vacuum (if possible)
• Dehumidifier
• Box fans

Important Documents (Waterproof Storage):

• Insurance policy
• Contractor contact information
• Mortgage information
• Photo documentation of pre-storm condition
• Home inventory

Frequently Asked Questions

How soon after a storm should I inspect my roof for damage?

Wait for official all-clear from emergency management (typically 2-6 hours after storm passes) and ensure there are no downed power lines or other hazards. Never inspect during ongoing storm conditions, even during the calm eye of a hurricane. Initially inspect from the ground using binoculars. Do not climb on the roof yourself. Contact a professional roofer for a comprehensive inspection within 24-48 hours of the storm passing.

Should I put a tarp on my roof before a hurricane?

No, do not tarp your roof before a hurricane arrives. Pre-storm tarps are ineffective and dangerous. They blow off in high winds and can create additional damage by catching wind like a sail. Tarps are only for emergency post-storm protection after damage has already occurred. Before hurricanes, focus on ensuring your roof is properly maintained with no loose shingles or damaged flashing.

What if I can’t reach my insurance company after a major storm?

After major hurricanes, insurance company phone lines are often overwhelmed. Keep trying at off-peak hours (early morning, late evening). Most insurers also accept claims online or through mobile apps. Document your attempts to contact them (screenshots, call logs). Florida law requires insurers to acknowledge claims within a reasonable timeframe, even after major disasters. If you cannot reach them within 72 hours, file an online claim and send written notification via email.

How long can a tarp stay on my roof?

Professional tarps typically last 30-90 days depending on quality, installation, and weather conditions. Some contractors offer warranties on tarp installations. Tarps are temporary solutions only. Permanent repairs should be scheduled as soon as possible. Check your tarp regularly (weekly minimum) for tears, lifting, or water pooling. After major storms, contractor availability may delay permanent repairs, so maintaining your tarp is essential.

Will my insurance cover emergency repairs?

Yes, most homeowners insurance policies cover reasonable emergency repairs to prevent further damage. This includes emergency tarping, water extraction, and temporary protective measures. Keep all receipts and document before/after with photos. You don’t need adjuster approval for emergency repairs, but permanent repairs should wait until the adjuster inspects the damage. Emergency repair costs are typically applied toward your claim.

What should I do if my home is uninhabitable after storm damage?

If your home is uninhabitable, your insurance’s “Loss of Use” or “Additional Living Expenses” (ALE) coverage typically pays for temporary housing, meals, and related expenses. Document why the home is uninhabitable (photos, professional assessment). Keep all receipts for hotels, restaurants, and other necessary expenses. Notify your insurance immediately about the need for temporary housing. There are usually policy limits on ALE coverage, so ask your insurer about your specific coverage.

Emergency Contact Information

Rain Right Roofing Emergency Line:

• Call: (727) 914-9145
• Available: 24/7
• Response: 2-24 hours (depending on storm conditions)

Schedule Emergency Service:

• Online: Contact Us

What We Provide:

• 24/7 emergency response
• Professional tarping service
• Full storm damage assessment
• Insurance claim assistance
• Permanent repair scheduling

Related Resources

• Roof Leak Emergency Guide
• Hurricane Roof Prep Checklist
• Roof Insurance Claim Tips
• Hurricane Roof Damage Guide

Our Roofing Services

• Emergency Roof Repair
• Storm Damage Roof Repair
• Roof Repair
• Roof Replacement

Service Areas

Emergency roofing service throughout Tampa Bay:

• Tampa
• Clearwater
• St. Petersburg