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.