Milton was wind. Helene was water. To a Pinellas roofer those were two different businesses, and to a buyer reading your last three years they still are. Wind money arrives in the storm year. Surge money arrives two years later, if the house gets rebuilt at all. Here is how to sell into that, step by step.

Lee County averaged about 1,300 roofing permits a month before Hurricane Ian. In January 2023 it issued 10,326. That spike sits inside the three years a buyer will underwrite in 2026 — and he will take it out whether you help him or not. Here is the process, step by step.