Home insurance in Miami starts with where the house sits relative to salt water and wind, then goes straight to the paper. Bring the policy, the deductible, and any claim number you already have. Say if this is a renewal, a new address, or a call because something happened. A house on a canal, a house behind a ridge of condos, and a unit in a tower do not present the same facts. Have the roof age and say whether the openings are impact glass, shutters, or ordinary sliders.
Wind and flood are different here in a way you can see from the driveway. Hurricane wind is the force that lifts tile, bends a garage door, and drives rain through a failed flange. Flood is the water that rises: surge, a canal that jumps its edge, tide water that visits a low street, rain that cannot leave a blocked drain. Ask what your wind deductible is and whether it differs from the deductible for other damage. Then ask, separately, whether flood sits outside the homeowners policy. Do not fold those into one hope.
If you live in a tower, know which part of the building you are even allowed to talk about. The association may handle the envelope while your policy is about the unit. Say that plainly so the conversation does not wander into a roof you do not control. If a claim is open, say what you photographed and what is still untouched. This call does not settle anything and does not promise an outcome. It lines the address, the deductible, and the wording up so you are not guessing.
Salt is not a coverage. It is why the house wears out faster, and it belongs in the description of the property, not as a demand that paper do something it may not do. Say whether the damage you are looking at came from wind, from water that rose, or from both. Say the city section only as far as it changes the exposure: beach, bay, or inland block. Then ask the question you actually have. Call the number on this page.