Miami · Miami-Dade County · Insurance
Hurricane Damage Roof Claim in Miami, FL: a written quote from a licensed Florida roofing contractor, built from aerial measurement, with no sales visit.
Get a written quoteDecade built, number of previous roofs, and any additions all move the number here, which is why a quote starts with a short conversation about the home's history. Aerial measurement plus a five-minute history of the house beats a drive-by estimate in an area this varied. Salt air corrodes fasteners and drip edge years before shingles look worn, so coastal roofs often fail from the metal out.
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. Miami is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."