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hurricane risk · June – November

Tampa, FL storm damage roofing guide

Tampa post-Milton/Helene is the most active claim market in the US. Florida §626.9744 matching law strongly supports full-slope replacement. ALWAYS supplement Citizens — they aggressively depreciate.

0.6
Hail days/yr
8
Wind days/yr
395K (metro 3.3M)
Population

Recent major storms

  • October 9, 2024
    Hurricane Milton, 120mph winds
    240,000+ claims
  • September 26, 2024
    Hurricane Helene, storm surge + 100mph winds
Average claim value

$18,400 average residential roof claim (post-Milton)

Local code

Tampa adopts Florida Building Code 2023. 25% rule, hurricane straps, and secondary water barrier mandatory on re-roofs.

Top carriers in Tampa

  • · Citizens
  • · Universal
  • · State Farm Florida
  • · Heritage
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