The Hammocks · Miami-Dade County · Insurance
Looking for hurricane damage roof claim in The Hammocks? 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 quoteThis is the housing age where a roof decides whether a policy renews, making a pre-renewal inspection cheap insurance against a non-renewal letter. Original tile roofs from the '80s and '90s are reaching underlayment failure now, and that's a lift-and-reset or full replacement, not a tile repair. Roof-to-wall attachment matters more here than anywhere; clips or straps added during a tear-off can move a home a full category on its wind mitigation report.
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.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life.
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.
Insurers can no longer refuse to write a policy solely because a roof is under 15 years old, and roofs older than that can qualify with a passing inspection showing at least five years of remaining life. The Hammocks is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."