Named-Storm Response & Documentation

Storm response is the coordinated inspection, emergency mitigation, and documentation a roof needs immediately after a named storm. For a community association, the highest-value part of that response is often the documentation — because whether your insurer treats the damage as a covered storm loss or as pre-existing wear frequently comes down to what you can prove, and when.

Our named-storm protocol

When a named storm affects our service area, program members are placed in a priority queue automatically — Asset Manager members receive inspections with no phone call required. Our protocol runs in order:

• Priority inspection within days. We get eyes on your roofs quickly, before minor damage turns into major interior loss.
• Emergency leak mitigation. Temporary measures — sealing, tarping, drainage clearing — to stop water intrusion and limit further damage. This also satisfies your duty to mitigate (see below).
• Claims-grade documentation. Dated, captioned photos and a written damage assessment, compared where possible against the roof's pre-storm baseline.
• Repair or replacement path. A clear recommendation and proposal so your board can act, coordinate with its insurer, and keep owners informed.

Florida's one-year hurricane claim notice window

In Florida, a property insurance claim for hurricane or windstorm damage generally must be reported to the insurer within one year of the date the storm made landfall. That is a meaningful change from the older, longer deadlines, and it means a board cannot afford to wait and see. Our post-season assessment and our post-storm inspections are deliberately scheduled so that damage is identified and documented well inside that one-year window, giving your association time to evaluate its options and, if it chooses, file a claim. We document; your board and its insurer decide.

Your duty to mitigate

After storm damage, a property owner has a legal duty to take reasonable steps to prevent further damage — the duty to mitigate. If a board leaves a compromised roof exposed and interior damage worsens, an insurer can dispute the additional loss. Prompt emergency mitigation is not just good building stewardship; it protects the association's position. We document the mitigation work we perform so there is a record that the association acted promptly and reasonably.

Why the pre-storm baseline is decisive

The most common dispute after a hurricane is storm damage versus pre-existing wear. An adjuster looking at a damaged roof has to decide how much of what they see the storm actually caused. If your board holds a dated set of photos from before the storm, that question gets much easier to answer, and the answer is documented rather than argued. This is exactly why the Roof Asset Management Program captures a photo baseline every pre-season visit. The baseline is the evidence you cannot recreate after the fact.

What we do not do

We do not promise claim outcomes, we do not inflate damage, and we are not public adjusters or attorneys. Our role is to inspect, mitigate, and document honestly and thoroughly, and to give your board and its chosen professionals an accurate, well-evidenced picture of the roof. Straight documentation is more valuable to a board than optimistic promises, and it holds up.