Residential Insurance Restoration Services in Tampa
Expert restoration for Tampa Bay homeowners. From hurricane and water damage to fire restoration, we help you navigate insurance claims and restore your home to pre-loss condition.
Your home is more than a building—it's where your family lives, creates memories, and feels safe. When disaster strikes, Florida Construction Specialists provides compassionate, professional restoration services that help Tampa Bay homeowners recover. We understand the stress of dealing with property damage and insurance claims, and we're here to guide you through every step of the restoration process while ensuring you receive fair treatment from your insurance company.
Florida Homeowner Protections
Florida law provides significant protections for homeowners with insurance claims. Under Florida Statute 627.7011, insurers must cover code upgrade costs when repairing hurricane damage. The Valued Policy Law (F.S. 627.702) requires full policy limits for total losses. You have the right to hire contractors and representatives of your choosing—don't let anyone pressure you into decisions.
Our Residential Restoration Services
We provide comprehensive residential restoration services for all types of property damage. Our experienced team handles everything from storm response through final repairs, with full documentation to support your insurance claim.
Hurricane & Storm Damage
- Roof repair and replacement
- Window and door replacement
- Siding and exterior repairs
- Structural damage repair
Water Damage Restoration
- Emergency water extraction
- Structural drying
- Mold prevention/remediation
- Interior reconstruction
Fire & Smoke Damage
- Board-up and securing
- Smoke and soot cleaning
- Odor elimination
- Complete reconstruction
Insurance Claim Support
- Damage documentation
- Detailed repair estimates
- Adjuster meeting attendance
- Supplement claim assistance
Residential Restoration Costs
| Restoration Type | Typical Cost Range | Timeline |
|---|---|---|
| Water damage (minor) | $3,000 - $10,000 | 1-2 weeks |
| Water damage (major) | $15,000 - $50,000 | 3-6 weeks |
| Roof replacement | $15,000 - $45,000 | 1-2 weeks |
| Hurricane repairs (moderate) | $25,000 - $100,000 | 4-8 weeks |
| Fire damage restoration | $20,000 - $150,000 | 4-12 weeks |
| Major structural repair | $50,000 - $200,000+ | 2-6 months |
The Residential Restoration Process
Storm Response
We respond quickly to secure your home, prevent further damage, and begin mitigation. This includes board-up, tarping, water extraction, and storm stabilization—all documented for your insurance claim.
Assessment & Documentation
We thoroughly assess all damage, create detailed documentation with photos and descriptions, and prepare comprehensive estimates. This documentation supports your insurance claim and ensures nothing is missed.
Insurance Coordination
We work with your insurance company, attend adjuster inspections, provide required documentation, and help resolve any claim issues. Our goal is ensuring you receive fair compensation for your loss.
Restoration & Repairs
Once the claim is approved, we complete all repairs to restore your home. Our quality craftsmanship meets or exceeds original construction, with code upgrades where required.
Final Walkthrough
We conduct a thorough final walkthrough with you, address any concerns, and ensure you're completely satisfied. We also help with any remaining insurance documentation, including recoverable depreciation.
Homeowner Tips for Insurance Claims
Do
- • Document damage immediately
- • Prevent further damage (mitigation)
- • Save damaged materials as evidence
- • Get everything in writing
- • Keep all receipts
Don't
- • Accept the first offer without review
- • Sign contracts under pressure
- • Dispose of damaged items prematurely
- • Start major repairs without approval
- • Miss claim deadlines
Frequently Asked Questions
What residential damage types does insurance typically cover?
Standard Florida homeowners policies (HO-3) typically cover: hurricane and wind damage (often with separate deductibles), fire and smoke damage, water damage from sudden events (burst pipes, appliance failures), theft and vandalism, lightning strikes, and falling objects. Standard policies exclude flood damage (requires separate NFIP or private flood policy), gradual damage and maintenance issues, mold (except when resulting from covered water damage), and earth movement. Review your policy declarations page and endorsements for specific coverage details.
How does Florida's hurricane deductible work?
Florida homeowners policies typically have separate hurricane deductibles, usually 2-5% of the dwelling coverage amount. For a home insured for $400,000, a 2% hurricane deductible equals $8,000 out-of-pocket before insurance pays. Hurricane deductibles apply per calendar year for named storms. Some policies have 'triggering' provisions (e.g., hurricane must be declared Category 1+) before the hurricane deductible applies. Regular 'all other perils' deductibles (often $1,000-$2,500) apply to non-hurricane claims.
What is Additional Living Expense (ALE) coverage and how do I use it?
ALE coverage (Coverage D) pays for increased living costs when your home is uninhabitable due to covered damage. This includes hotel/rental costs exceeding your normal housing costs, restaurant meals above normal food expenses, storage fees, pet boarding, and other reasonable expenses. Keep all receipts and document the necessity of each expense. ALE typically has limits (percentage of dwelling coverage or specific dollar amount) and time limits. Notify your insurer before incurring major expenses when possible.
Should I hire a public adjuster for my residential claim?
Consider a public adjuster when: damage is extensive (claims over $25,000-$50,000), you lack time or expertise to manage the claim, the insurer's initial offer seems low, you're facing coverage disputes, or the claim involves complex damage types. Public adjusters charge 10% of the settlement (capped by Florida law), but often recover significantly more than that fee. For smaller, straightforward claims, you may be able to handle the process yourself with contractor support.
How long does residential insurance restoration typically take?
Timelines vary by damage type and extent: Water damage (no mold): 1-3 weeks for drying and repairs. Minor fire/smoke damage: 2-4 weeks. Moderate hurricane damage: 4-8 weeks. Major structural damage: 3-6 months. Complete home rebuilds: 9-18 months. Factors affecting timeline include insurance claim processing speed, permit approval time, contractor availability (especially after widespread storm events), material availability, and weather conditions during restoration.
We're Here When You Need Us
Florida Construction Specialists provides compassionate, professional residential restoration services throughout Tampa Bay. When disaster affects your home, we're here to help you recover.
Restore Your Home with Confidence
Our certified estimators and licensed contractors handle the entire restoration process, from emergency response through final inspection. We work directly with your insurance company.