Florida · Insurance
Non-hurricane wind events. Most people searching this want to file a wind claim for a storm that wasn't a named hurricane — that's what you'll get, in writing, from a licensed Florida roofing contractor.
Get a written quoteuses 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.
Florida's 2022 insurance reforms ended assignment-of-benefits agreements for new policies and shortened claim filing windows, so the order you do things in matters more than it used to.
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.
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.
A wind mitigation inspection (Form OIR-B1-1802) can lower premiums on any roof and is required for most discounts.
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.
In Florida, carriers can't surcharge for a single claim from a declared event, but claims history does affect your ability to shop for coverage. In Texas, it varies by carrier.
In 25 counties and 300 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.