Madeira Beach · Pinellas County · Insurance
This is the Madeira Beach 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 quotePlank decking instead of plywood is common in this era, and it's the reason a quote must price decking replacement per sheet up front. Most homes predate 1980, so many are on their third or fourth roof and code limits on layers become a real constraint at tear-off. 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.
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. Madeira Beach is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."