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A storm claim is won or lost on the file, not the phone call. We build the file — photos, measurements, line-item scope — and we stand on the roof when the adjuster shows up.
On your side · Since 2009Most Tampa claims run four to eight weeks, start to signed check. Here is every step — and exactly where we stand in the room with you.
Tarp goes on, water stops, and every step of it is photographed. Carriers require you to prevent further damage — and they reimburse temporary repairs. Keep every receipt.
We do this — usually within 90 minutes40 to 60 dated, geotagged photos, slope-by-slope measurements, and a line-item scope in the format carrier software reads. Filing first and documenting later is how claims get underpaid.
We do this — before you ever call the carrierYou call your carrier — it has to come from the policyholder — with the file already in hand. Ten minutes on the phone instead of an hour of guessing at questions.
We sit with you while you make the callThe single most important hour of your claim. The adjuster walks your roof — and one of our foremen walks it with them, pointing at every documented item. Homeowners who have their roofer at this meeting see fewer partial denials.
We attend, on the roof, every timeCarrier issues the decision and first payment. We review the settlement line by line against our scope, flag anything short, and schedule your build the same week.
We review the offer before you accept itEvery Storm Guard claim file is built to the standard carrier desk reviewers work from — so there's nothing to reinterpret and nothing to knock down.
Florida premiums move with statewide storm losses, not your single act-of-God claim. You've been paying for this exact coverage — a named storm is what it's for. Not filing doesn't earn you a discount; it just means you pay for the roof twice.
The first estimate is an opening position based on what the adjuster saw in one visit. Supplements are a normal, expected part of Florida claims — when the file documents more than the estimate paid, we submit the difference with photos attached.
Wind damage breaks shingle seals you can't see from the driveway, and the leak shows up eight months later — often after your filing window closed. A 45-minute inspection now costs nothing and dates the damage to the storm while you can still claim it.
Florida law gives you a limited window to file a claim after a hurricane makes landfall — currently one year for new claims. Every week you wait, evidence weathers away and the date of loss gets harder to prove. If a named storm has touched your roof in the last year, get it inspected this week, not this season.
Tell us what the storm did and we'll tell you — honestly — whether it's a claim or a repair bill. No file, no fee, no pressure.