wind blown hurricane palms

A Proper Roof Repair After a Hurricane Is Critical To Your Home’s Efficiency And  YOUR Well-Being … Do It Wrong, And The Results Can Be VERY Costly.


Ridge Top Exteriors is your go-to hurricane roofing contractor for guidance before and after a storm.

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Know your policy before a storm hits. Don’t sit back to wait and see what damages to your home and roof are covered in your policy.

roof hurricane damage
insurance coverage for homeowners

Hurricane damage to your roof often includes unexpected devastation to items stored in the attic and household contents. If you roof is breached; the interior damage to your home can be extensive with irreplaceable possessions, important papers and photos being destroyed. 

The biggest risk of injury when your roof is compromised is the danger to your family and pets from flying debris and objects. To protect your family, it is important to have a roof installed that can withstand sustained winds up to 130mph.  This wind load rating is not common in the majority of older roofs. 

Insurance coverage for Florida homes generally have a SEPARATE, much higher wind deductible. Most insurance companies have a minimum 2% deductible on the VALUE of the home! (not the damage). On a $200,000 home, the deductible equates to $4,000.

A claim for roof damage is also in most cases pro-rated based on the life and condition of the roof, meaning if your roof if older the insurance company will pay less money for it. Add that to the higher deductible and you are out of pocket for the roof repairs or replacement.

We always hope we don’t have a storm, yet it is a part of life here in the Tampa area to be prudent with over preparedness and thoroughly informed than to not take action because you weren’t aware.  This is why we encourage homeowners to have their roof checked out and to update it if necessary with a replacement roof before a storm. The risk of your family and your home is too great to gamble on whether you will be protected during and covered financially afterwards.  

Hurricane Tips

The degree of devastation and havoc created by hurricanes is rather shocking. Gusts of wind, torrential downpours, and severe floods are some features of hurricanes that cause widespread destruction and make life exceptionally difficult. Therefore, if a natural disaster of such great intensity occurs, it is always a wise decision to prepare your home accordingly. 

tips for hurricane preparation
yard work for hurricane
hurricane preparedness packing
emergency kit for hurricane


Start with checking all of your doors and windows for existing problems, fix them accordingly. If your entry door is old, has an signs of deterioration or isn’t solid then you might want to consider replacing it with a sturdy impact-resistant style. Be sure all of your window frames are sealed and secure. Non-Impact graded windows should be shuttered with plywood or hurricane panels to reduce the risk of flying debris breaking a window and shattering into pieces. Duct tape is not a substitute for good window protection and should only be used as a last resort. It’s not very effective, though it’s better than nothing and it’s difficult to remove afterwards especially if left on for a long period of time.


Trim your foliage, cut back overhanging tree limbs. Remove dead or weak trees. Haul off the debris to lower the chances of any of it going airborne. If you’re in a low lying area it’s a good idea to prepare for flooding by stacking sandbags in front of doors. Storm surge along coastal regions can rise to extreme levels so move all furniture inside up as high as possible. Bring all patio furniture, potted plants and any other un-anchored objects in the yard inside. All of it can become a wind blown missile and turn into a dangerous hazard.


Depending on the forecast of where the storm is expected to hit, your neighborhood may become an evacuation zone especially if you live on a coastline. Prepare early in case you have to leave your home. In most cases, there will most likely be a cutoff time for entering or leaving the evacuation area. For those who decide not to evacuate, it’s imperative to have a plan for safety while riding out the storm. Communication after a storm and rescue resources may be delayed if the result of the storm is severe.


The general rule is to have at least 3 days of food and water on hand for everyone in the household. Power lines are likely to go down so coolers should be well stocked with ice, food and water. Store it in a cool place and open only when necessary. Food in the refrigerator and freezer will last for a day or two if not frequently opened.


Flashlights, batteries, a manual can opener, first aid kits, water for bathing, personal items such as medications, baby formula, diapers. Portable radio with batteries for updates on weather conditions.

Follow the weather reports frequently to assess the danger expected.  Only a clear idea of what is coming will help you with planning properly. Remember it’s always better to over prepare than be caught of guard if conditions worsen. The important thing is to stay calm. Prepare, prepare, prepare.

***We proudly service residential and commercial properties in Tampa, Tampa Bay, St. Petersburg, Clearwater, Brandon, and surrounding Florida cities.