Post-Storm Property Checks Every Florida Owner Should Do

Sep 17 2026

Post-Storm Property Checks Every Florida Owner Should Do

September is a busy month in the Atlantic, and anyone who owns property on the Florida coast knows to stay ready. When a storm passes, the first instinct is to rush out and look at everything. A little patience and a good routine will serve you better. Here is a calm, step-by-step approach we recommend to owners in Volusia County.

Safety comes first

Do not enter or approach a property until local officials say it is safe. Watch for downed power lines, standing water, unstable trees and debris. Avoid walking through floodwater, which can hide hazards and may be contaminated. If you smell gas or see damage to the electrical panel, stay out and call the proper utility or emergency services.

Start with the exterior

Once it is safe, walk the outside of the property slowly and look closely.

Roof: Look for missing shingles, lifted tiles, damaged flashing or debris.
Windows and doors: Check for cracked glass, loose frames and damaged shutters.
Siding and soffits: Look for gaps, dents or pieces that have pulled away.
Fences, screens and lanais: Storms often take these first.
Trees and landscaping: Note cracked limbs hanging over the roof or driveway.

Take photos of everything, including areas that look fine. Dated photos are valuable if you need to file an insurance claim.

Check the inside carefully

Inside, look at ceilings and the tops of walls for stains, which can point to a roof leak. Check around windows and doors for moisture. Feel carpets and baseboards for dampness, and note any musty smell. Mold can begin to grow quickly in our humid climate, so catching moisture early matters.

Test the air conditioning, water pressure and appliances before you use them heavily, especially if the power went out. Power surges can damage electronics and compressors.

Condo owners have their own checklist

If you own a condo, your association will usually handle the roof, common areas and building envelope, but you are responsible for what is inside your unit. Check your windows, balcony door, ceilings and floors. Report any leak or damage to the association right away, since water can travel between units. Keep a written record of when and how you reported it.

Document, then call your insurance company

Contact your insurance agent or carrier promptly if you find damage. Ask about the claim process and any deadlines. Make only the temporary repairs needed to prevent further damage, such as covering a roof opening with a tarp, and keep your receipts. Do not throw away damaged items until they have been documented or an adjuster says you may.

Landlords and rental owners

If you rent your property, tell your tenants what to do after a storm and how to reach you or your manager. Ask them to report any damage immediately and avoid trying risky repairs. Owners who live out of state should have a plan for who will check the property when travel is not possible. This is one of the main reasons many owners work with a local manager; you can learn more on our property management page.

Hire carefully for repairs

After any big weather event, contractors can be in high demand, and some outside operators show up looking for quick work. Use licensed, insured professionals, get written estimates and be cautious about anyone who asks for large payments upfront. Our preferred vendors list is a good place to start if you want local professionals we trust.

Keep a simple storm file

Before the next season, keep a folder with your insurance policy, photos of your property in good condition, a list of valuables and the contact numbers you will need. Preparation makes the aftermath much less stressful.

No one wants to deal with storm damage, but a steady routine makes it manageable. Stay safe, take your time and ask for help when you need it.