Substantial Damage Estimates

Manatee County Working With Residents Impacted by Substantial Damage Assessments

Posted on 01/14/2025

MANATEE COUNTY, FL (January 14, 2025) – Manatee County is working with residents impacted by 2024 hurricanes to help them rebuild and recover properly.

In partnership with the Florida Division of Emergency Management (FDEM), structures considered to be “substantially damaged” from the recent storms have been identified, and Substantial Damage estimates are being completed. Evaluators focus on key areas, such as foundations, roofs, windows, doors and siding to gather detailed information about the damages compared to the pre-storm condition.

“This assessment is required by the National Flood Insurance Program (NFIP) and local floodplain ordinances to ensure that rebuilding efforts meet necessary safety standards,” said Manatee County Building Official, Bill Palmer. “We are committed to making sure all residents and business owners are informed about these regulations and potential options as we work together to create a more resilient community.”

Manatee County currently holds a Class-5 rating in the Community Rating System, which allows residents in special flood hazard areas to receive a 25% discount automatically on flood insurance. This rating underscores the County's ongoing commitment to following NFIP regulations. Adherence to rebuilding rules and regulations will ensure residents can continue to receive the discount.

Residents planning to replace or repair structures are urged to verify the professional licenses of contractors they hire. Unlicensed contractors often target vulnerable populations, and while they may offer quick fixes, the long-term consequences can be severe. Residents should always request references, verify licenses with the Florida Department of Business and Professional Regulation (DBPR) at 1-850-487-1395 or visit myfloridalicense.com to check for any issues.

To assist residents affected by Hurricanes Debby, Helene, and Milton, Manatee County Department of Development Services is waiving building permit fees for both residential and commercial properties until March 1, 2025. Please note that all repairs in a flood zone require a permit.

To further assist residents who may have questions about the rebuilding process and proper procedures, the County has compiled a list of frequently asked (and answered) questions at mymanatee.org/damageletter.