Margate · Broward County · Insurance
Looking for hurricane damage roof claim in Margate? Most people who land here want to get a hurricane claim approved and understand the hurricane deductible. That's what this page is for.
Get a written quoteOlder homes have older electrical and plumbing penetrations through the roof; replacing the boots and flashings on all of them is cheap during a re-roof and expensive later. Lower pitches on mid-century homes rule out some products and make ice-and-water shield in the valleys non-negotiable. Insurers scrutinize coastal roofs hardest at renewal, and a dated inspection report with slope-by-slope photos is the cheapest way to survive that review.
On cost: the hurricane deductible is a percentage of dwelling coverage — often 2% to 5% — not a flat amount, so a claim needs to clear a much higher bar than a regular wind claim.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts.
How it works
Not automatically, but the carrier will argue pre-existing wear. An inspection report from before the storm, or good documentation of storm-specific damage patterns (creased shingles, lifted tabs on the windward side), makes the difference.
The hurricane deductible applies only during a named storm declared by the National Hurricane Center and is a percentage of your dwelling coverage. On a home insured for a mid-six-figure amount, that can be five figures. Every other wind event uses the regular flat deductible.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts. Margate is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."