1. Safety first
Stay off the roof and away from downed lines. Wait for the all-clear, and treat sagging ceilings as a hazard: water can pool above them. Shut off power to affected areas if water is entering fixtures.
2. Document before you touch anything
Take wide and close-up photos and video from the ground and inside the home, with date and time. Note missing shingles or tile, debris impacts, interior stains and anything blown onto the roof.
3. Prevent further damage
Keep a receipt for reasonable temporary repairs, such as tarps, because most policies require you to protect the property from additional damage. A licensed roofer can tarp safely.
4. Call your insurer
Report the claim promptly and ask about deadlines and your deductible. Florida sets claim notice deadlines that have changed in recent years, so confirm the current ones for your policy.
5. Choose the right roofer
Verify the license at myfloridalicense.com, ask for proof of insurance, and get a written scope. Be wary of door-to-door storm chasers, large upfront payments, and anyone offering to cover your deductible: that is illegal in Florida.
General information, not legal or insurance advice. Confirm requirements with your insurer and local building department.