Why Painting Your Siding is a Temporary Fix (And What Happens When It Fails)

Looking for high-quality roofing in Cape Coral, FL? Discover how our expert roofers are transforming homes with durable, weather-resistant roofing solutions tailored for Florida’s climate.

When a major storm rolls through Florida or Ohio , your first thought is likely about keeping your family safe — but once the skies clear, your next priority should be checking your home for damage. Roofing issues are some of the most common (and costly) storm-related repairs, and the good news is your homeowner’s insurance may help cover the costs. Filing a roofing insurance claim can feel overwhelming, especially when you’re already dealing with stress after a storm. That’s why we’ve put together this step-by-step guide to help you navigate the process with confidence — and get your home back to pre-storm condition as quickly as possible. Step 1: Inspect Your Roof for Visible Damage Start with a visual inspection. You don’t need to climb up on the roof — in fact, we recommend you don’t. From the ground (or with binoculars), look for: Missing or curled shingles Dents in metal flashing or gutters Granule loss or bald spots on shingles Pieces of shingles or roofing debris in your yard Water stains on ceilings or in the attic In Florida, hurricanes and heavy winds can rip shingles off or loosen flashing. In Ohio, hail and tornado-force winds can cause both visible and hidden damage. Step 2: Document Everything Take clear, dated photos of any damage you notice — and if it’s safe, get interior shots of leaks, water stains, or ceiling damage. The more evidence you have, the stronger your claim will be. Pro tip: Snap photos from multiple angles and save them in a digital folder titled by storm date. This makes it easy to submit to your insurance provider later. Step 3: Contact a Local Roofing Company for an Inspection Before calling your insurance company, have a reputable roofing contractor (like Allstate Exteriors 😉) perform a free storm damage inspection. This ensures: You know exactly what damage was caused by the storm You’re not relying solely on the insurance adjuster’s findings You have a written inspection report and estimate for repairs A good roofing company will also walk you through the insurance claim process — and in many cases, even meet with your adjuster to make sure nothing is missed. Step 4: File the Claim with Your Insurance Provider Once you’ve confirmed there’s storm-related damage, it’s time to officially file your claim. Most providers allow you to do this: Online via your insurance portal, t hrough a mobile app, or b y calling their claims department. Be prepared to provide: Your policy number Date and time of the storm A general description of the damage Photos and inspection report (if available) Step 5: Meet with the Insurance Adjuster After filing, the insurance company will schedule an adjuster to inspect the damage in person. It’s crucial that your roofing contractor is there too. This helps: Advocate for all damage to be noted Prevent missed or overlooked issues Ensure you get a fair, full estimate for repair or replacement At Allstate Exteriors , we meet adjusters on-site to represent your best interest — so nothing falls through the cracks. Step 6: Review the Insurance Estimate Once the adjuster completes their report, you’ll receive a damage estimate and coverage breakdown. This will include: What’s covered and what’s not, y our deductible amount, and t he total payout you’ll receive. If something seems off or missing, your contractor can help you supplement the claim with additional documentation. Step 7: Schedule the Repairs After approval, you’re free to move forward! Choose a licensed and insured roofing company to complete the repairs or replacement. Keep all invoices and receipts — your insurance provider may need them for final reimbursement. * Bonus Tip: Keep Records of Everything* From emails and texts to photos and receipts, hold onto all communication throughout the claims process. This protects you in case of disputes or delays. Dealing with storm damage can be stressful, but filing a roofing insurance claim doesn’t have to be. With the right steps (and the right roofing partner), you can restore your home quickly and confidently. Whether you’re facing hurricane aftermath in Florida or hail damage in Ohio, our team at Allstate Exteriors is here to help. We’ve worked with countless homeowners through the insurance process — and we’re happy to do the same for you. Need a free storm damage inspection? Schedule yours today and let us handle the hard part.

How to Handle a Roofing Emergency: A Florida Homeowner’s Quick Guide Living in Florida comes with its perks—sunshine, beach days, and year-round warmth. But if you’ve lived here long enough, you know that our beautiful weather can turn on a dime. One minute it’s sunny skies, the next it’s a full-blown thunderstorm, complete with whipping winds and pounding rain. And when that happens, your roof is your first line of defense. But what happens when that defense gives out? Whether it’s a sudden leak, a tree branch through your shingles, or storm damage you didn’t see coming—roofing emergencies are stressful, fast-moving situations. But with the right steps, you can take control and minimize the chaos. This guide will walk you through exactly what to do when your roof is in trouble. 🚨 Step 1: Keep Calm and Prioritize Safety We get it—seeing water pour into your living room or spotting shingles scattered across the yard can send anyone into panic mode. But your safety is the #1 priority. If part of your ceiling is sagging or leaking, steer clear of the area. Do not climb onto the roof yourself—especially if it's still raining or dark outside. *Keep kids and pets away from any active leaks or debris. No emergency repair is worth risking your safety. Let the pros handle the roof. 💧 Step 2: Stop the Drip, Save the Space If it’s safe, take steps to minimize interior damage: Place buckets, towels, or trash bins under leaks. Use tarps or plastic sheets to cover furniture and floors. Move electronics and valuables to a dry spot. Pro tip: If you notice a ceiling bubble forming, puncture the center carefully with a screwdriver to release the water slowly. It’s better than letting the entire thing burst unexpectedly. 📞 Step 3: Call an Emergency Roofing Expert (Like, Now) This is not the time to scroll endlessly through Google reviews or wait until Monday. You need help—fast. Call a trusted Florida roofing company that offers emergency services. Look for: 24/7 availability Fast response times Local storm damage expertise Help with insurance paperwork Here at Allstate Exteriors , our Florida team is ready at a moment’s notice with tarps, tools, and experience. We’ve been through the wildest storms—and we know how to patch, protect, and rebuild. 📸 Step 4: Document Everything Before any temporary repairs are made, grab your phone and start snapping pics. Take wide shots and close-ups of the damaged areas. Don’t forget the attic or ceilings if water made it inside. Note any damaged belongings for your insurance claim. The more evidence you have, the smoother your insurance process will be later. 🛠️ Step 5: Get it Covered—Literally In most cases, your roofer will install emergency tarps or protective covers to prevent more water from getting in. This is a short-term fix—but it buys you time and keeps the damage from spreading. Think of it like putting a Band-Aid on your home until the real healing can begin. 🧰 Step 6: Schedule a Full Roof Inspection Once the storm has passed and your roof is safely tarped, schedule a full inspection . You’ll want a licensed roofing professional to: Check for shingle, flashing, or structural damage Look underneath the surface for soaked underlayment or rotted decking Inspect your siding, soffits, and gutters too It’s common to find **hidden damage** days or even weeks after the storm—especially in Florida’s humid climate. The sooner you catch it, the better. 🏚️ Step 7: Don’t Delay Permanent Repairs Out of sight, out of mind? Not so fast. That emergency patch might hold for a few days or weeks, but the longer you wait to make permanent repairs, the more damage can build up behind the scenes. Ignoring a damaged roof can lead to: Mold and mildew growth Higher energy bills from poor insulation Major water damage inside your home Bigger, more expensive fixes later on Final Thoughts: Roofing Emergencies Don’t Have to Be a Disaster If you’re dealing with a roofing emergency, you’re not alone—and you’re not helpless. With the right actions and the right roofing partner, you can protect your home and avoid long-term stress. Storms may be unpredictable, but your response doesn’t have to be. Save this guide, share it with a neighbor, and most importantly—stay prepared. Need Emergency Roofing Help in Florida? Whether you’re in Cape Coral, Orlando, or anywhere along the coast, Allstate Exteriors is just a phone call away. We offer 24/7 emergency services, expert inspections, and high-quality repairs built to weather the next storm. Schedule an Inspection Today

Do You Need a Permit to Replace a Roof in Florida? Essential Guide for Homeowners Introduction Thinking about replacing your roof in Florida? It’s a major project that requires more than just hiring a contractor and choosing shingles. You need to understand if you need a permit before breaking ground. Failing to get the right permits can lead to big trouble, including fines, work delays, or worse—an unsafe roof. With recent updates to building codes and hurricane season approaching, more homeowners are asking if permits are really necessary. Knowing the rules helps protect your home, your wallet, and your legal standing. Florida Roofing Regulations and Permit Requirements Overview State and Local Regulations Florida has strict building codes aimed at keeping homes safe from storms and wear. The Florida Building Code (FBC) sets the minimum standards for roofing , including durability, wind resistance, and safety. But rules don’t stop at state lines. Local counties and cities often add their own rules, which can change from one neighborhood to the next. For example, a permit needed in Miami might not be required in a smaller town. Always check with your local building department to stay on top of specific regulations. Types of Roofing Projects Requiring Permits In Florida, certain projects definitely need permits. These include: Complete roof replacements replacing the entire roof system. Changing materials—say, switching from asphalt shingles to metal. Installing a new roofing system after damage, especially if it involves structural work. Even minor modifications can trigger permit requirements if they alter how your roof functions. Keep in mind, insurance policies may request proof of proper permits for claims or warranties to stay valid. When Permits Are Not Required Not all roofing work calls for a permit. Small repairs such as fixing a few shingles, cleaning gutters , or replacing broken tiles usually fall into this category. Emergency repairs to prevent further damage might also be exempt temporarily. Some local jurisdictions may waive permits for minor projects or if you’re only doing maintenance. Always double-check with your local building department before assuming no permit is needed. Why Permits Are Necessary for Roof Replacement in Florida Ensuring Compliance with Building Codes Building codes are designed to make sure your roof can withstand Florida’s weather. This includes high winds, heavy rain, and hurricanes. When you get a permit, your work has to follow these standards. Without it, you risk getting a subpar roof that may not hold up during a storm. Violating codes can lead to fines or having to redo the work later. Protecting Property and Residents Permits mean inspections. A licensed inspector checks your roof at various stages, catching problems early. They verify the quality of work, materials, and proper installation. This process helps ensure your roof is safe and will last longer. Better workmanship means fewer leaks, less damage, and peace of mind for your family. Insurance and Resale Implications Thinking about selling your home someday? Unpermitted work can cause trouble. Some insurance companies might refuse to cover damages if your roof work wasn’t permitted. Plus, future buyers or appraisers could see unpermitted repairs as red flags, lowering your home’s value. Always get the proper permits to avoid legal and financial headaches down the road. Avoiding Potential Fines and Legal Penalties Failing to secure permits can lead to hefty fines—sometimes thousands of dollars. Local authorities can require you to remove unpermitted work or pay penalties. In some cases, they might halt your project altogether. Playing by the rules keeps your project smooth and avoids unnecessary costs. The Permitting Process for Roofing in Florida How to Determine If You Need a Permit? The easiest way is to call your local building department or visit their website. They often have handy online tools to check if your project needs a permit. Talking to a licensed contractor can also clarify what’s required. Remember, it’s better to ask upfront than deal with surprises later. Steps to Obtain a Roofing Permit Here’s a quick overview: Gather documents: drawings, project details, and permit application forms. Submit your paperwork to the local building office. Pay permit fees—costs vary depending on location and project size. Wait for approval—this usually takes a few days to a couple of weeks. Schedule inspections during and after the work. Inspection and Approval Procedures An inspector visits your property to verify work meets Florida’s standards. They check during different phases—say, after framing and after installation. Common issues they spot include improper nailing, missing flashing, or substandard materials. Once everything passes, your permit is closed, and you get official approval. This documentation is useful for future reference or resale. Hiring Licensed Roofing Contractors in Florida Importance of Certification and Licensing Working with licensed contractors guarantees your roof is installed correctly. Licensing shows they understand Florida’s specific building codes and safety standards. It also means they’re insured—protecting you if someone gets hurt or damages your property. Questions to Ask Before Hiring Make sure to verify: Their license number and credentials. References from past clients. Proof of insurance coverage. How they handle permits and inspections. A reliable contractor will be transparent about permit processes and ensure everything is approved before finishing the job. Cost Implications of Permitted vs. Unpermitted Work Permits may add to your project’s upfront costs, but ignoring them can be more expensive in the long run. Unpermitted work might save money initially but can lead to fines, rework, or legal problems later. A licensed contractor will factor permit costs into their estimate, saving you headaches. Practical Tips for Homeowners Verify Permit Status Always check if a permit has been issued. You can contact your local building department or look online. Confirm that the permit is active before work begins, and ask to see the final approval once completed. Keep Documentation Safe Save copies of all permits, inspection reports, and receipts related to your roof project. These documents are your proof your work was done legally and correctly. Stay Informed About Local Regulations Building codes and permit requirements may change. Check with your local officials periodically, especially before big projects. Staying updated helps you avoid accidental violations. Benefits of Proactive Compliance Following the rules and securing permits gives you peace of mind. Your home becomes safer, more valuable, and less likely to face legal issues later. It’s a smart move every homeowner should make. Conclusion Replacing a roof in Florida isn’t just about choosing shingles and hiring a contractor. It’s about making sure your project is legal, safe, and up to code. Permits protect your home, your family’s safety, and your investment. Always check local requirements, work with licensed professionals, and keep your paperwork in order. Proper permitting isn’t a hassle—it’s a smart step to keep your home secure against Florida’s toughest storms. Make that call today and safeguard your roof for years to come.

If you’ve lived in Florida for any length of time, you know that the weather here is no joke. From blazing sun and salty coastal air to surprise downpours and hurricane-force winds, your home’s exterior is constantly under pressure. While many homeowners focus on roofing, your siding is just as important—it's your home's protective shell and one of the first things people see. At Allstate Exteriors, we understand what Florida homes go through. Our team has helped thousands of homeowners across Cape Coral , Orlando , and surrounding areas choose the right siding to protect their investment—and boost their curb appeal. If you're considering an upgrade or wondering whether your current siding is doing its job, here’s what you need to know. 🌴 What’s the Best Siding for Florida Weather? Common search: “Best siding for Florida homes” Choosing the right siding for a Florida home isn’t just about looks—it’s about performance. Here in the Sunshine State, siding has to stand up to high humidity, intense UV rays, heavy rainfall, and strong winds. Here are the most popular and proven options: Vinyl Siding – One of the most cost-effective choices for Florida homeowners. Vinyl is fade-resistant, moisture-proof, and requires little maintenance. It’s also available in a wide range of colors and styles, so you can personalize your home’s look. Fiber Cement Siding (like Hardie® Board) – This heavy-duty siding is a favorite in hurricane zones. It resists warping, pests, fire, and moisture damage. It’s also incredibly durable and holds up beautifully in Florida’s unpredictable climate. Engineered Wood Siding – A great middle ground between real wood and synthetic materials. It gives your home a warm, classic look with added resistance to moisture and insects, though it may require more upkeep than other options. The siding you choose should be based on your location, budget, aesthetic preferences, and how much maintenance you’re willing to commit to. That’s where we come in—our experienced team is happy to walk you through your options with no pressure. ☀️ Will New Siding Help with Energy Efficiency? Common search: “Does siding help keep my house cool in Florida?” Absolutely! Insulated siding acts as an extra thermal barrier, keeping Florida’s brutal heat outside and your cool air inside. This not only makes your home more comfortable but can also lead to lower energy bills—a win-win. Many of our customers are surprised at just how much of a difference quality siding makes in their monthly costs. And with today's materials, you don’t have to sacrifice style for performance. It’s a smart investment in both function and beauty. 🏚️ How Do I Know If My Siding Needs to Be Replaced? Common search: “Signs I need new siding” Sometimes the signs are obvious—other times, damage hides in plain sight. Here’s what to watch for: Cracks, warping, or bubbling Discoloration or fading Mildew or mold buildup Higher-than-usual energy bills Pest issues or unexplained drafts Even small imperfections can lead to big problems over time, especially in Florida’s wet, humid environment. A free inspection from Allstate Exteriors can help you catch these issues before they become costly repairs. 🌀 Is My Siding Hurricane-Ready? Common search: “Best siding for hurricane areas” In Florida, storms can be sudden and severe. That’s why it’s crucial to have siding that’s built to withstand high winds, flying debris, and water intrusion. Materials like fiber cement and reinforced vinyl are designed with storm protection in mind, and when installed properly, they meet or exceed Florida’s building code requirements for wind resistance. We also make sure your siding is sealed correctly and securely attached—because how it’s installed is just as important as the product itself. 🛠️ Why Choose Allstate Exteriors for Your Siding Project? We’re more than just siding installers—we’re your neighbors. As a family-owned and operated company, we treat every home like it’s our own. Our team is honest, reliable, and truly passionate about helping Florida families protect what matters most. When you work with Allstate Exteriors, you get: Friendly, no-pressure consultations Expert advice from local professionals High-quality materials from trusted brands Clean, respectful crews who do the job right Honest communication every step of the way We’ve earned our reputation by putting people first—and we’d be honored to do the same for you. Ready for a Siding Upgrade ? If you’re seeing signs of wear, dealing with high energy bills, or just ready to refresh your home’s look, let’s talk. Our siding solutions are designed to protect your home, increase its value, and make it look fantastic for years to come! 📞 Call today to schedule your free siding inspection or estimate