Home insurance in Florida starts with the paper, not with the storm story. Bring the policy, the deductible, and the status of any claim. Say whether you are renewing, starting fresh at an address, or calling because something already happened to the house. Those are three different conversations. Have the roof age, the city, and whether the house sits on a coast, a river, or an inland lot. The person on the phone can only work from what you put in front of them.
Wind and flood are different, and Florida keeps proving it. A hard blow can lift shingles, break glass, and still leave rising water as a separate problem. Surge on the coast, a river out of its banks, and a street that ponds after a cloudburst are water questions. They are not automatically the same question as wind on a homeowners policy. Ask what your wind deductible is, and whether it differs from the deductible that applies to other damage. Then ask, as its own question, whether flood sits outside that policy and has to be handled on its own.
Roof age and opening protection show up because the policy conversation asks about them, not because a repair crew is on the line. Be ready to say how old the covering is, whether the openings have impact glass or shutters, and whether anyone has already opened a claim. If a claim is open, say what you photographed and what you have not touched. Do not expect this call to decide what gets settled. Nobody here can promise that. The useful move is to line the facts up with the deductible and the wording you already have.
Coast and interior do not carry the same worry, even inside one state. A beach house may be arguing with salt, wind, and surge at the same time. An inland house may be arguing with rain that overwhelmed a swale, a tree on a ridge vent, and a wind deductible that still applies far from the water. Say which house you have. Say whether the damage, if there is damage, came from wind, from water that rose, or from both. Then stop guessing and ask. Call the number on this page.