Why Miami Homes Need a Specialist
Hurricane damage in Miami is a different problem than the rest of South Florida — Miami-Dade is HVHZ (High Velocity Hurricane Zone) and the building department applies the strictest envelope, opening, and engineering review of anywhere in the state. tsmarthome holds the FBC HVHZ engineering credentials needed to file structural and envelope repair drawings with Miami-Dade RER, and we work across the city from the historic homes in Coral Gables and Coconut Grove to the high-rise condo stock in Brickell, Edgewater, and Sunny Isles. Most of our Miami repair volume falls into one of three lanes: tile and metal roof failure on single-family homes, balcony and curtain-wall damage on towers, and post-flood interior dry-out and electrical replacement on ground-floor units. We are set up for the supplemental claims that Miami carriers (Citizens, Florida Peninsula, Universal) almost always require once concealed damage surfaces, and we keep an in-house EOR (engineer of record) on call so HVHZ-required sealed drawings do not slow the permit.
Common Hurricane Repair Problems We See in Miami
- HVHZ-required envelope re-engineering on any opening or roof scope south of the county line
- Curtain-wall and impact-glazing failures on Brickell and Sunny Isles tower units
- Balcony concrete spalling and post-tension cable exposure (Surfside-era inspection scope)
- Saltwater corrosion of electrical service equipment in ground-floor and parking-level units
- Tile and metal roof underlayment loss on Coral Gables, Coconut Grove, and Pinecrest single-family homes
Our Hurricane Damage Repair Approach
tsmarthome runs a single-contractor hurricane recovery program — structural inspection, envelope repair, roofing, impact-opening replacement, and interior dry-out under one project manager. We document every line item to Florida insurance carrier standards (Citizens, Universal, Tower Hill, Heritage) and keep your claim moving while crews are already on site. Repairs are engineered to current FBC wind-load and impact requirements, not the code in force when the original home was permitted, so the rebuilt envelope is harder to damage in the next storm.
Local Case Example
Coconut Grove single-family, 4,500 sqft. Concrete tile roof complete underlayment failure, two impact-rated openings cracked, 1,200 sqft saltwater intrusion. HVHZ permit issued in 11 days; envelope rebuilt to current Miami-Dade NOA standards. 16-week reoccupancy.
Our Hurricane Repair Process
Tarp, board-up, water extraction, and temporary power within 24–72 hours of dispatch.
Licensed GC walks the property with your adjuster, documents loss with photos and Xactimate-compatible estimates.
Sealed structural drawings for any framing, roof, or opening replacement; permits pulled with the local building department.
Roof deck, sheathing, impact windows/doors, stucco, and waterproofing rebuilt to current Florida Building Code.
Electrical, HVAC, drywall, flooring, cabinetry — coordinated trades on a single schedule.
Municipal final, carrier sign-off, and a written workmanship warranty on every scope.
Hurricane Repair FAQs — Miami
Are you set up for Miami-Dade HVHZ permit submittals?
Yes. Any roofing, opening, or structural scope in Miami-Dade requires sealed engineering and an HVHZ-compliant submittal package. We file directly with Miami-Dade RER and the relevant municipal building departments (City of Miami, Coral Gables, Miami Beach, etc.), and our EOR is on retainer so we are not waiting weeks for a sealed set when the carrier wants to mobilize.
Do you work directly with my insurance company?
Yes. We document scope and pricing in Xactimate-compatible format, attend adjuster meetings, and supplement the claim when hidden damage surfaces during demolition. You stay the policyholder of record — we are the contractor, not a public adjuster.
How fast can you start emergency stabilization?
Tarp-and-board crews are typically on site within 24–72 hours of a signed work authorization, sooner if the property is in our active service radius and the storm has cleared.
Will repairs meet current Florida Building Code?
All structural, roofing, and opening work is engineered to the 2023 Florida Building Code in force at the time of permit, including HVHZ requirements where applicable. We do not "repair-in-kind" to obsolete code unless the carrier explicitly requires it and the local AHJ allows it.