Storm Hit.
Act Fast.
Call FNF.
Every hour after a storm hits, water finds a new path into your home. Missing shingles, cracked tiles, blown flashing — damage that looks minor on the outside is destroying your decking, insulation, and drywall right now. FNF Roofing responds fast across Florida and Arizona.
What a Storm
Does to Your Roof
Storm damage rarely looks dramatic from the ground — but even small failures are letting water in right now. Know what to look for.
Wind Damage
High winds peel back shingles, create uplift on vulnerable edges, and rip off metal flashing. Even 50 mph gusts — well below hurricane force — can lift improperly fastened shingles and leave your decking exposed to the next rain event.
⚠ Water intrusion begins immediatelyWater Intrusion & Leaks
Water doesn't need a large opening. A hairline crack in flashing, a single missing shingle, or a lifted membrane seam is enough. Once water enters, it spreads through insulation and decking, creating mold conditions within 24–48 hours.
⚠ Mold begins within 24 hoursHail Impact
Hail bruises asphalt shingles and dislodges granules, accelerating UV degradation and dramatically shortening remaining roof life. Hail damage often isn't visible from the ground but creates serious long-term structural problems and is almost always a covered insurance event.
⚠ Often covered by insuranceDebris & Impact Damage
Falling branches and wind-launched debris punch through shingles, crack tile, and create immediate openings. Florida's tree coverage and Arizona's desert debris both create serious roof impact risk during storm events — especially with mature trees near rooflines.
⚠ Structural damage possibleFlashing Failure
Metal flashing around chimneys, skylights, vents, and valleys is the most common failure point during high-wind events. When flashing pulls away or lifts, it creates a direct water pathway into your home that bypasses the entire roofing system.
⚠ Direct water path into homeDecking & Structural Damage
Prolonged exposure after a storm compromises your roof decking — the plywood foundation everything else rests on. Wet decking rots fast, especially in Florida's humidity. Once decking fails, a re-roof becomes a far more complex and expensive repair than a prompt response would have required.
⚠ Cost escalates every dayFascia, Soffit & Gutter Damage
High-wind events frequently damage fascia boards, soffit panels, and gutters — components that protect your roof's edge and direct water away from your foundation. Damaged gutters allow water to sheet directly against your home's exterior and into your crawl space or foundation.
⚠ Foundation risk if ignoredTile Displacement (AZ)
Arizona's tile roofs are vulnerable to displacement during monsoon wind events. Shifted or cracked tile exposes the underlayment to direct rainfall and UV — and tile repairs require careful color and profile matching to avoid a patched appearance. Fast response protects the underlayment before it fails.
⚠ Underlayment exposed to UVFloridaStorm Season
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01
Hurricanes & Tropical SystemsJune 1 – November 30. Named storm winds from 74 to 157+ mph, storm surge, and days of sustained rainfall. Catastrophic roof damage in a matter of hours. Florida leads the nation in hurricane landfalls — every homeowner needs a licensed contractor relationship before the season starts.
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02
Tropical Storms & DepressionsPre-hurricane and post-season tropical systems deliver sustained winds 39–73 mph with heavy, prolonged rainfall. Enough to strip aging shingles, overwhelm drainage, and cause serious interior water damage.
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03
Afternoon ThunderstormsFlorida's daily summer thunderstorm pattern produces sudden 50–70 mph wind gusts, hail, and intense short-duration rainfall. Florida leads the US in lightning strikes — high-energy impacts that can damage roof penetrations and structural components.
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04
Tornadoes & WaterspoutsFlorida has more tornadoes per square mile than any other state. Brief but extremely destructive — capable of complete roof removal, even on newer construction not rated for direct tornado impact.
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05
Nor'easters (North Florida)Winter coastal storms produce driving rain, strong sustained winds, and significant wave action for Gulf and Atlantic coastal properties — extended exposure events that test flashing and edge sealing.
Florida · Statewide · CCC1327482
ArizonaStorm Season
-
01
Monsoon StormsJune 15 – September 30. Arizona's monsoon season brings sudden, violent storms with 60–80 mph straight-line winds, intense downpours, and large hail — often arriving with almost no warning. Tucson averages 12+ inches of annual rainfall, and a significant portion falls in concentrated monsoon bursts that overwhelm drainage and expose every roof weakness.
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02
Haboobs (Dust Storms)Arizona's massive dust walls precede monsoon cells and carry 50+ mph winds loaded with abrasive sand and debris. Haboobs dislodge tile, scour exposed surfaces, and pack drainage channels with debris that creates ponding during the rain that follows.
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03
MicroburstsLocalized severe downdrafts from collapsing storm cells produce winds exceeding 100 mph in a concentrated area. Microbursts cause sudden, catastrophic damage — often destroying roofs on one block while leaving a neighboring block untouched.
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04
Hail EventsArizona produces some of the largest hail in the Southwest — golf ball-size and larger stones during severe monsoon cells. Hail causes immediate tile cracking, shingle granule loss, and metal panel denting — damage that insurance companies take seriously when properly documented.
-
05
Flash Flooding & Roof PondingIntense rain on Arizona's hardpan soil creates flash flooding and roof ponding within minutes. Flat and low-slope residential and commercial roofs are especially vulnerable — clogged drains and inadequate slope allow water to pond and force its way through any seam or penetration.
Arizona · Statewide · ROC 345260
Storm Just Hit?
Do This Right Now.
Every minute counts after storm damage. Here's exactly what to do — before you call your insurance company, before you get on your roof, before you do anything else.
Call FNF First
Call us before you call your insurance company. We'll do a fast assessment, document all damage with photos and notes, and help you understand what you have before you file. Getting the contractor involved first protects your claim.
Stay Off Your Roof
A storm-damaged roof is structurally compromised. Decking may be soft, tiles may be unstable, and wet surfaces are dangerously slippery. Don't climb up to "check it out" — let our licensed crew handle the assessment safely.
Protect the Interior
If you're seeing active leaks, place buckets, move valuables, and protect electronics. If there is a visible opening in your roof, FNF can deploy emergency tarping to stop water intrusion while full repairs are planned and scheduled.
Document from the Ground
Take photos from the ground of any visible damage — missing shingles, debris, bent gutters, damaged fascia. Don't go on the roof. Your photos combined with FNF's professional documentation create a strong insurance claim package.
Every Hour You Wait,
Water Wins.
Storm damage doesn't pause while you think about it. Water infiltrates further, mold begins to establish, and decking starts to deteriorate. A $500 emergency tarp today can prevent a $15,000 decking replacement next month. Don't wait.
We Handle
Your Entire Claim
Most homeowners leave money on the table because they don't know the process. FNF does. We work the insurance claim from first call to final check — so you get every dollar your policy covers.
1. Call FNF Before Your Insurer
Getting a licensed contractor involved before you file sets the foundation for a successful claim. We assess the damage objectively and help you understand the full scope before you speak with an adjuster.
2. Professional Damage Documentation
We photograph every failure point — close-up detail shots, wide establishing photos, and written narrative descriptions that match exactly what insurance adjusters need to approve a claim. Our documentation is designed to hold up under review.
3. Detailed Estimate Matching Claim Scope
We provide a line-item repair or replacement estimate that reflects the full documented damage. This gives your adjuster a clear, professional reference point and prevents underpayment based on incomplete scope.
4. Adjuster Meeting & Advocacy
We're on-site when your insurance adjuster visits — walking the roof with them, pointing out documented damage, and making sure nothing is missed or minimized. Having a licensed contractor present changes the dynamic of the inspection.
5. Approved Repairs Completed Right
Once your claim is approved, FNF completes all covered repairs with manufacturer-trained crews, licensed installation, and full warranty documentation — so your roof performs exactly as the repaired system was designed to.
⚠ Watch Out for Storm Chasers
After every major storm, unlicensed out-of-state contractors flood Florida and Arizona neighborhoods offering cheap, fast repairs. These "storm chasers" take your money and disappear — leaving shoddy work that voids your manufacturer warranty and fails the next inspection.
- Always verify a Florida CCC or Arizona ROC license before signing anything
- Never pay full price upfront — legitimate contractors require a deposit only
- Be skeptical of contractors who pressure you to sign right now on your doorstep
- Ask for proof of general liability insurance and workers' comp coverage
- If a deal sounds too good to be true after a storm, it is
FNF Roofing is licensed in Florida (CCC1327482) and Arizona (ROC 345260). We've been in both markets for years — we're not going anywhere.
Verify FNF Credentials
Florida License: CCC1327482 — verify at myfloridalicense.com
Arizona License: ROC 345260 — verify at roc.az.gov
Signs Your Roof
Needs Help Right Now
Not all storm damage is obvious. If you notice any of the following after a storm — or even without one — call us immediately. Waiting turns small problems into catastrophic ones.
Water Stains on Ceilings
Brown rings or wet spots on your ceiling are not a cosmetic issue — they're evidence that water has already penetrated your roof system and traveled through your insulation. The actual entry point is almost always far from where the stain appears.
Call immediatelyLight Through the Attic
If you can see daylight through your attic boards, so can rain. Get into your attic after any storm event and look for pinpoints of light — any opening is a water pathway that needs same-day attention.
Call immediatelyGranules in Your Gutters
After a hail event or major storm, check your gutters and downspout discharge areas. Heavy granule accumulation means your shingles have been physically damaged and are losing their UV and weather protection rapidly.
Schedule inspectionMissing or Lifted Shingles
Visible from the ground — bare patches on your roof, curled edges, or shingles at odd angles are immediate concerns. Even one missing shingle in the wrong location can let enough water in to cause thousands in interior damage.
Call immediatelySagging Roof Sections
Any visible sagging or depression in your roofline is a structural emergency. It means your decking has been compromised by moisture intrusion — and a sagging roof is at risk of partial or complete failure under the next rain load.
Emergency — call nowMold or Mildew Smell
A persistent musty smell in your home — especially in upstairs rooms or near the roofline — is a strong indicator of moisture in your attic or ceiling cavity. Mold begins establishing within 24–48 hours of water intrusion and grows fast in Florida's and Arizona's heat.
Schedule inspectionWhat Homeowners Say
After Working With FNF
These are real customers — real damage situations, real results. This is what FNF actually delivers.
"10 out of 10 service from start to finish. Casey came out to give us our quote — he was very straight with us on everything involved, pricing, and the possibilities of the quote increasing based on additional wood needed. Communication was great, he always replied or called back ASAP. The crew worked quickly and cleaned everything up. I would recommend them to anyone."
"We had a great experience working with Casey G. He was always responsive before, during, and even after the reroof. He went above and beyond helping us get the roof we needed. They even cleaned our skylights! The roof was completed in 2 days and all the debris was hauled away. Our roof looks fantastic."
"They did a fabulous job on my mother's roof. Quick and efficient work from their crew — exactly what you hope for when trusting someone with one of the biggest investments on your property. Would absolutely recommend FNF to anyone looking for a reliable roofing contractor."
Your Roof Can't
Wait Until
Tomorrow.
Storm damage compounds fast. Every hour of delay is water traveling further, mold getting established, and decking degrading beyond simple repair. FNF Roofing is licensed in Florida and Arizona and ready to respond. Pick up the phone right now.