Before calling your insurance company, you might want to check your homeowners insurance policy. I looked at mine a few days ago and found that it has a SEPARATE (larger) deductible for hurricanes. In my policy, the hurricane damage deductible is 2% of the Dwelling coverage. My Dwelling coverage is nearly $300,000 so my hurricane deductible is nearly $6,000.
Personally, I wouldn't contact the insurance company unless I were reasonably certain that the damage was well above my deductible.
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