Homestead · Miami-Dade County · Insurance
This is the Homestead page for hurricane damage roof claim. The short version: you want to get a hurricane claim approved and understand the hurricane deductible, and you can have it without a salesperson at the door.
Get a written quoteInsurers scrutinize coastal roofs hardest at renewal, and a dated inspection report with slope-by-slope photos is the cheapest way to survive that review. Metal and tile score best on wind mitigation for a reason, but a properly nailed architectural shingle roof with a sealed deck closes most of the gap at a fraction of the cost. Most homes here went up in the 2000s building boom, when production builders installed the least expensive shingle that met code.
What it costs in Homestead: 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.
Many Florida carriers now offer policies that pay actual cash value on older roofs rather than full replacement cost — worth checking before you assume a claim will cover a new roof.
How it works
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.
Florida shortened the window in the 2022 reforms — it is now measured in months, not years, from the date of loss. Don't wait.
Many Florida carriers now offer policies that pay actual cash value on older roofs rather than full replacement cost — worth checking before you assume a claim will cover a new roof. Homestead is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."