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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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.