Home insurance in Orlando starts inland, which means you do not open with surge and you do not skip the paper. Bring the policy, the deductible, and the status of any claim. Say if you are renewing, starting at a new address, or calling after damage. Have the roof age. Have a plain description of the lot: on a lake, beside a pond, or on a sandy rise that sheds water toward the street.
Wind and flood are different here, and the flood is rain and lakes, not a beach. Wind can peel shingles, break a tree into the ridge, and drive rain through a failed opening even though the ocean is a long drive away. Flood is water that rises or sits: a lake out of its ordinary edge, a retention pond that meets the patio, a swale graded at the slab. Ask what the wind deductible is and whether it differs from the deductible for other damage. Then ask whether flood sits outside the homeowners policy. Those are two calls worth of clarity even if you only dial once.
Hail and a fallen limb are facts, not conclusions. Say what you saw on the slope and what you saw at the waterline, if there is a waterline. If a claim is open, say what you photographed and what you have not torn off. This conversation does not settle the claim and does not promise what the paper will do. It keeps wind damage, rain that came through a hole, and water that rose from the yard from being mashed into one sentence.
Opening protection and roof age come up because the policy questions ask them. Answer them. Do not treat them as a wish. A subdivision full of similar roofs does not mean your deductible matches the neighbor's. Read yours. Say the city, the symptom, and whether anyone has already been on the roof. Call the number on this page.