Does insurance cover hurricane water damage?

It's often split across policies. Wind-driven rain entering through storm-damaged roofing may be covered under a standard homeowners or wind policy, while rising floodwater from storm surge typically requires separate flood insurance. Because Fort Lauderdale sits in a high-risk hurricane zone, we recommend confirming both wind and flood coverage before storm season. We document all storm damage in detail for your insurer.

What should I do right after a storm?

Wait until it's safe, then document all damage with photos and video for your insurer. Call us for emergency board-up and tarping to stop ongoing water intrusion, and avoid entering heavily damaged areas. The faster the property is secured and dried, the less secondary damage and mold risk you'll face.

under 60 minutes average arrival · 24/7

Storm & Hurricane Water Damage Restoration in Fort Lauderdale, FL

Fort Lauderdale storms hit hard. Wind-driven rain, roof failure, and surge-adjacent flooding cause serious water intrusion. We board up, tarp, extract, and rebuild — 24/7.

Call (754) 555-0199

Licensed & insured IICRC certified

Tier-1 Local Risk

Common Causes of Storm Water Damage

Hurricane season is this market's headline risk — built as a first-class topic, not a footnote.

Wind-driven rain

Hurricane-force winds drive rain through small gaps, vents, and weakened seals — causing interior water intrusion.

Roof failure

Storm winds lift and damage roofing, allowing water to pour into the structure below.

Storm surge-adjacent flooding

Coastal and low-lying Fort Lauderdale areas flood when surge pushes water inland.

Immediate Steps During & After a Storm

Stay safe first

Don't go outside during the storm. Wait until conditions are safe before assessing damage.

Document the damage

Take photos and video of all visible damage for your insurance claim.

Call for emergency response

Call us 24/7 for board-up, tarping, and water extraction to prevent further damage.

Our Storm & Hurricane Response

Emergency board-up

We secure broken windows, doors, and compromised openings immediately.

Tarping

We tarp damaged roofs to stop ongoing water intrusion.

Temporary repairs

We make temporary repairs to stabilize the property and limit further loss.

Water extraction & drying

We remove intruded water and dry the structure to prevent mold.

Full reconstruction

We rebuild damaged areas back to pre-loss condition.

Hurricane-Season Preparation Tips

General, factual, non-alarmist steps to take before storm season.

Inspect your roof

Have roofing, flashing, and seals inspected before June 1 to catch weak points.

Clean gutters & drains

Clear gutters and storm drains so heavy rain can move away from the structure.

Check seals & openings

Weather-strip doors and windows and check vents and penetrations for gaps.

Review insurance

Confirm both wind and flood coverage before storm season — don't wait until a storm is coming.

Insurance Note

Hurricane water damage is often split between wind and flood coverage. We document every aspect of the storm loss — wind damage, roof intrusion, and floodwater — so your insurer has what they need. Coverage always depends on your specific policy.

FAQ

Frequently Asked Questions

Related Services

Water Damage Restoration in Fort Lauderdale Roof Leak Water Damage Flood Cleanup Emergency Water Removal

Storm Hit? We Secure and Restore Fast.

Board-up, tarping, extraction, and reconstruction — our Fort Lauderdale crew handles the full storm response, 24/7. Call now or request a callback.

(754) 555-0199

1. We answer — a real person, 24/7.

2. We dispatch a crew to you in under an hour.

3. We document everything for your insurance claim.

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