Types of Covered Storm Damage

There are specified deductibles for hurricane damage in Florida which must be met before insurance starts paying

In Florida a homeowners policy will cover wind damage, regardless of the cause, however, there are specified deductibles for hurricane damage in Florida, which are generally a stated percentage of the amount of coverage under the policy, which must be met before insurance starts paying. Water damage regardless if it occurs in connection with a Hurricane or wind event is generally not covered under a Homeowners policy

As a result it is extremely important for you to read and understand your insurance policy so it is clear what is covered and what may require a separate policy. This is also important to do because if the insurance company denies your claim or makes a low ball offer, you will know.

Obviously it is very difficult for a homeowner to locate identify and properly make a claim for all these varied items. In addition exclusions, coverage conditions, and complicated language found in insurance policies make it very difficult to make sure that you are filing a complete and accurate claim under what are very difficult circumstances immediately following a Hurricane.

Many insurance companies will also tell you that all or part of your claim is not covered without providing a good reason.

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Contact Us for a Free Consultation

If you have any additional questions or would like to speak with one of our team members about your specific concerns please call us at 863.224.6729, visit us at 454 W Pipkin Rd, Lakeland, FL 33813 or use the contact form. We are here to help.