Home insurance in Tampa starts with the bay and the Gulf, then sits down with your policy. Bring the deductible, the roof age, and the status of any claim. Say whether you are renewing, putting a policy on a new address, or calling because a storm already did something. A bungalow a few blocks off the water and a newer house farther inland do not hand you the same facts, even when the wind passed over both.
Wind and flood are different, and a gulf storm is good at producing both. Wind is the force that lifts tabs, breaks a ridge, and drives rain under a valley. Flood is water that rises: surge up a low street, the bay pushed over a seawall, a pond that escapes, rain that sits because the drain cannot leave. Ask what your wind deductible is and whether it differs from the deductible on other damage. Then ask whether flood lives outside the homeowners policy. Do not let one scary afternoon glue those questions together.
If a claim is already open, say what you photographed and what you have not moved. Shingles in the yard are a wind clue. A waterline on the drywall is a different clue. This call does not decide what gets settled and does not promise an outcome. It is for lining the address and the wording up before you guess. Opening protection, if you have it, is a fact to mention. It is not a charm.
Say how close the house sits to the bay, whether oaks overhang the roof, and whether you have seen a new slab crack that has nothing to do with the storm story. Ground movement is not a wind claim and not a flood claim until somebody who understands the paper says where it belongs. You are here to ask, with the policy in front of you. Call the number on this page.