Hudson · Pasco County · Insurance
This is the Hudson page for wind damage roof claim. The short version: you want to file a wind claim for a storm that wasn't a named hurricane, and you can have it without a salesperson at the door.
Get a written quoteThe hurricane deductible is a percentage of dwelling coverage, not a flat amount, so a coastal claim needs to clear a much higher bar than an inland wind claim. A sealed roof deck — peel-and-stick underlayment over every seam — earns secondary water resistance credit on the wind mitigation form and is worth asking for by name. Lower pitches on mid-century homes rule out some products and make ice-and-water shield in the valleys non-negotiable.
What it costs in Hudson: uses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane deductible.
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
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is 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. Hudson is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."