Report Property Damage (Hurricane or Other Calamity)

If your home has suffered catastrophic damage, there are provisions in Florida law that pertain to your property tax assessment and how it is affected when your home is destroyed by a hurricane, fire or other calamity.

• Contact our office as soon as possible to discuss the calamity and future assessment with your Area Appraiser
  • For your convenience, we have created a storm damage form/survey to report structural damage to your home and improvements (not fence damage or downed trees)
• Please provide photos and videos of damage, insurance adjusters’ reports, repair receipts and any other related documentation to the structural damage of your home and improvements (not fence damage or downed trees)
• Our appraisers will document the property’s condition and then return for a field visit at the end of the year to determine if repairs/rebuild have been completed
  • If incomplete on January 1 after the damage occurred, appraisers will reduce your market and capped values accordingly as of January 1 for the new tax year
  • The reduced value will affect the property tax bill you receive next November (e.g., if your home suffered extensive damaged in Aug 2024 and repairs are complete in Feb 2025, your Nov 2024 tax bill will not include any property tax reduction, it will appear on your Nov 2025 tax bill and the value of repaired/replaced property won’t be taxed until Nov 2026)
• Homeowners may continue to receive the homestead exemption and the Save-Our-Homes cap as long as they do not claim a new homestead exemption on a different home while they rebuild or repair the damages. Section 193.155 4(b), Florida Statutes
• Property revaluation once rebuild or repairs are complete:
  • If the repaired or replaced building is no larger than 110% of the former damaged building, no value is added over the capped value that existed at the time the damage occurred
  • If the rebuilt square footage is greater than 110% of the building’s original size, only the value attributed to excess square footage is added above the 3% Save-Our-Homes cap or 10% non-homestead cap.
  • If the original home was less than 1,500 SF, a maximum of 1,500 SF or 110% of the original, whichever is greater, may be added.

If there are more questions regarding storm damage, please visit our Storm Damage FAQs page.