Buying Florida Hurricane Insurance

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Hurricane season in Florida continues through November 30. These intense storms, which produce heavy winds and flooding, can cause serious damage to your home and property. 

Unfortunately, Florida hurricane damage is not always covered by a standard homeowners policy. It is up to you to carefully review your policy to determine if you will be compensated for home repairs and property replacement if your home is affected by a Florida hurricane. 

Many homeowners insurance policies exclude windstorm and flood damage. If your homeowners insurance does not cover this, purchasing extra insurance in the event of a hurricane is a good idea. Flood insurance may need to be purchased through the National Flood Insurance Program, rather than through your normal insurance provider. 

When purchasing windstorm and hurricane insurance, keep in mind that the deductible is quite different from a standard homeowners policy; rather than dollar amounts, windstorm and hurricane deductibles are based on a percentage of the insured property value (typically 1-5%). 

This means that if your policy limit is $200,000 and your deductible is 2%, you are responsible for the first $4,000 of your losses. It is a good idea to put your estimated deductible in an interest-bearing account, should you need it in the future. 

Learn more about how to file a South Florida hurricane claim after your home sustains storm damage. 

Were you recently affected by a South Florida hurricane? The South Florida hurricane attorneys at Falk & Falk Law Firm know how important it is to you and your family to get the settlement you need in order to move on with your lives. Our South Florida hurricane attorneys have experience in helping victims of natural disasters recover from their loss. An experienced South Florida hurricane attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners and hurricane insurance. Contact us today – 1-(305) 742-0878.