Tile Roof Storm Damage by Type
Wind-lifted and missing tiles
When Hurricane Wilma came through in October 2005, the National Weather Service logged gusts of 98 mph at Pompano Beach, and structural damage was heaviest in Broward and Palm Beach counties. On tile, wind works at the bond under each piece. Tiles that lifted but stayed on may be loose rather than broken, so ask for the slope to be checked tile by tile, not only where pieces are missing. In the HVHZ the repair has to use product-approved adhesive or fasteners; tile prices are on tile roof repair.
Tiles broken by flying debris
Branches, palm fronds and loose objects from the yard break tile from the outside. The state's Wilma review put it bluntly: flying coconuts become missiles in 100 mph winds. Broken tile can't be reset under Florida's code, so the question after a storm is whether matching tile can be found for your profile and color; roof tile replacement covers new, discontinued and salvaged options.
Ridge, hip and eave blow-offs
The edges go first. After Wilma, Florida's after-action team wrote that leading-edge and ridge barrel tiles on homes "continue to be a problem", from installation or code requirements, on roofs built both before and after the 2001 code. Rebuilding caps is covered under tile roof ridge cap repair.
Underlayment exposed or torn
Once tile is gone, the underlayment is the only thing keeping rain out, and the Tile Roofing Industry Alliance warns that open tile leaves it exposed to water and the sun's UV. If it's torn, get it covered before anything else (emergency tile roof repair). Then ask whether the underlayment under the damaged area can be patched or the slope needs new underlayment.
Documenting damage for an insurance claim
Photos and video taken before any cleanup do the most for a claim. Florida law lets insurers investigate with photos, video and drones, and they may let you use those methods to help. The adjuster who inspects has to give you a name and state license number, and you're owed a copy of the insurer's detailed estimate within 7 days of it being written.
Why Pompano Beach homeowners call Pompano Tile Roofing
- Free to call, free to request a quote
- One independent local tile roofer per request, not a bidding list
- Ask for tear-off, underlayment, deck repair and permit on one written price
- Your details go only to the roofer handling your request
Florida Storm Damage Claim Deadlines for a Tile Roof
- STEP01
Report the loss
Notice of an initial or reopened claim has to reach the insurer within 1 year of the date of loss. For hurricanes that date is landfall; for other windstorms it's the date NOAA verifies the event. A supplemental claim for more damage from the same storm has 18 months.
- STEP02
Watch the insurer's deadlines
The insurer must acknowledge your claim within 7 days, inspect within 30 days of receiving your proof of loss, and pay or deny all or part of it within 60 days of your notice. A denial or partial payment comes with a written explanation.
- STEP03
Know your deductible
Florida insurers must offer hurricane deductibles of $500 or 2%, 5% or 10% of the dwelling limit. The dollar amount sits on your declarations page, and it applies once per calendar year across hurricane losses with the same insurer.
- STEP04
Ask what the code requires
How much of the roof has to meet current code depends on how much is repaired and when the roof was built. The 25% rule explains why a roof permitted under the 2007 code or later needs only the repaired section brought up to current code.
Signing a Tile Roofer After a Storm
No gifts for a claim
A Florida contractor may not offer a deductible waiver, a rebate, a gift card or anything else of value for a roof inspection or for filing a claim.Coverage questions go elsewhere
Unless licensed as a public adjuster, a roofer may not interpret your policy, advise on coverage or adjust the claim for you.An itemized estimate first
A contract to repair under an insurance claim needs a good-faith, itemized estimate of labor and materials.A 10-day way out
After a Governor's emergency declaration, a roof contract for a home in the declared area, signed within 180 days, can be canceled without penalty within 10 days or by the official start date, whichever comes first.License and permit
Check the roofer's license and ask who pulls the permit; storm repairs in the HVHZ need one too.
Pompano Tile Roofing lets you skip calling around after a storm: you describe the damage once and the details reach one roofer. See emergency tile roof repair if the roof is open to the weather right now.