Mulberry · Polk County · Insurance
This is the Mulberry 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 quoteOlder homes have older electrical and plumbing penetrations through the roof; replacing the boots and flashings on all of them is cheap during a re-roof and expensive later. Lower pitches on mid-century homes rule out some products and make ice-and-water shield in the valleys non-negotiable. Inland homes miss the surge but not the wind — tropical systems shed speed slowly over Florida's flat terrain.
On cost: 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.
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
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.
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. Mulberry is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."