Roof tarped. Home dried out. $0 out of your pocket.
Licensed local restoration crews are tarping roofs, pulling out water and drying homes across the Panhandle right now. The work is paid straight from your insurance claim — nothing comes out of your pocket. See if your home qualifies in 30 seconds.
- Emergency roof tarping to stop leaks today
- Water extraction, drying & wet drywall tear-out
- Mold prevention before it starts (24–48 hrs matters)
- Paid from your insurance claim — $0 out of pocket
Serving Pensacola · Milton · Navarre · Fort Walton Beach · Destin · Crestview · Panama City and nearby
Everything after the storm, handled by one crew
Most Isaias damage follows the same path: wind opens the roof, rain gets in, and wet drywall and insulation start growing mold within days. Our partner crews stop it at every step.
Emergency roof tarp
Heavy-duty tarps secured over damaged areas to stop more water getting in while your claim is processed.
Water removal & drying
Pumps, commercial dehumidifiers and air movers dry walls, floors and subfloors to industry standards.
Tear-out & documentation
Wet drywall, insulation and flooring removed — and every step photographed and moisture-mapped for your insurer.
Three steps. Nothing out of your pocket.
You don’t need to have filed a claim yet — the specialist can help you document the damage first.
Answer a few quick questions
Tell us about the damage and your insurance so we can match you with the right local crew.
Free inspection
A licensed, insured specialist inspects, photographs and measures the damage — usually within 24–48 hours.
Work starts — paid from your claim
Tarping and dry-out begin right away. The contractor is paid from your insurance payout, so you never write a check.
Your deductible comes out of the insurance money — not your wallet
On big hurricane claims, the insurance payout is what puts your home back together. Your deductible is simply subtracted from that payout, and the crew is paid from what your insurer sends.
Your claim is approved
Your insurer sets the amount needed to repair the storm damage to your home.
Deductible is subtracted
The insurer takes your deductible off the payout. You don’t pay it upfront or out of pocket.
The crew is paid from the payout
Tarping, dry-out and repairs are paid from your claim funds. You pay $0 out of pocket.
Water damage gets worse — and more expensive — every day
Mold can begin growing on wet drywall, carpet and insulation within 24 to 48 hours, according to the U.S. EPA.
Under Florida law, notice of a new property-insurance claim must generally be given within one year of the date of loss.
Most policies require you to take reasonable steps to prevent further damage — like tarping a roof — after a storm.
Before the specialist arrives
- Photograph and video every damaged area, inside and out
- Don’t throw away damaged materials yet
- Keep receipts for anything you buy (tarps, fans, hotel)
- Write down your policy number
- Stay off the roof — let a pro do it
Crews on the ground across the Panhandle
Isaias came ashore near Destin on Oct 9 as a Category 2 hurricane, with gusts over 100 mph from Pensacola to Fort Walton Beach and storm surge near Panama City Beach. Our partner crews are prioritizing these areas:
Straight answers
Do I really pay nothing?
That’s right — on storm claims like these, nothing comes out of your pocket. The inspection is free, and the work is paid from your insurance claim. Your deductible isn’t a bill you pay: it’s subtracted from the money your insurer pays out. The specialist walks you through your numbers before any work starts.
What about my deductible?
You don’t pay it out of pocket. Your insurer subtracts it from your claim payout, and the crew is paid from that payout. That’s the whole point of having insurance.
I haven’t filed a claim yet. Is that OK?
Yes. Many homeowners start with the inspection, so the damage is photographed and documented properly before they call their insurer.
Who will actually come out?
An independent, licensed and insured Florida restoration contractor from our network who is working in your area. Calmwater Home is a free matching service and doesn’t do the work itself.
Is this FEMA or a government program?
No. Calmwater Home is a private company, not affiliated with FEMA or the State of Florida. If you also need FEMA assistance, visit DisasterAssistance.gov.
I rent my home. Can you help?
This program is for homeowners, because repairs are handled through the owner’s homeowners policy. Please notify your landlord in writing.
How fast can someone come?
Emergency leaks are prioritized. Most homeowners get a call the same day, with inspections typically within 24–48 hours depending on crew availability.
Required Florida notices (§489.147, Fla. Stat.)
- You, the consumer, are responsible for payment of any insurance deductible.
- It is insurance fraud punishable as a felony of the third degree for a contractor to knowingly or willfully, and with intent to injure, defraud, or deceive, pay, waive, or rebate all or part of an insurance deductible applicable to payment to the contractor for repairs to a property covered by a property insurance policy.
- It is insurance fraud punishable as a felony of the third degree to intentionally file an insurance claim containing any false, incomplete, or misleading information.
Don’t wait for the next rain.
Check your eligibility now — it takes 30 seconds and there’s no obligation.
Check If I Qualify →