Did you know that there is no such thing as “hurricane insurance?” Most homeowner insurance policies cover against wind damage and a flood insurance policy is something that would be purchased separately.
In Florida specifically, a standard homeowners policy would cover against roof or siding damage caused by high winds from a hurricane or tropical storm. There’s also a special deductible for hurricane damage here in Florida. It’s a fixed percentage that’s based on the amount of the entire policy. The hurricane deductible must be met before your insurance company would start paying for the damage to your home.
If this information creates additional questions in your mind, that’s entirely the point. Insurance providers like uncertainty and they will use it to undermine claims and get out of paying for damages. After a hurricane, your insurance company will probably be faced with a deluge of customers filing claims. They will do everything in their power to limit the amount of money that they need to pay out in this situation.
This is why we urge you to thoroughly review your homeowner’s insurance policy now. If you don’t know exactly what is covered on your policy, then you could make it easier for insurance company to take advantage of you.