Despite the high risk, Florida does not specifically require hurricane insurance. This is because hurricane insurance is not a stand-alone policy that can be purchased. It's included in a standard property insurance policy. In Florida, residential property policies are also required to cover damage caused by windstorms, such as hurricanes.
Insurers must include this coverage in their policies, although policyholders can sign an exemption to remove it from their insurance plan. Hurricane insurance for your home doesn't cover damage to your car caused by floods, wind, or hail, but your car insurance does. Universal Property & Casualty Insurance Company is a leader in providing Floridians with the best hurricane coverage in Florida at affordable rates. Since many insurance companies include windstorm insurance in their policies when they're purchased, you probably won't have to do anything extra when buying your policy, since hurricane insurance coverage will already be included.
A home insurance policy is the first way to protect your home against a hurricane and can be supplemented by flood or windstorm insurance in certain states. If you live in an area designated by X or A, your home is at the highest risk of flooding, so you should take out a flood insurance policy. If a hurricane causes increasing flooding and water enters your home, flood insurance covers water remediation and repairs. When you file a claim for damages after a hurricane in Florida, there is usually a special hurricane deductible that you must first meet, as indicated by the Florida Division of Consumer Services.
Here's what you need to know about the cost of coverage and how a hurricane insurance lawyer can help you. If you own a home or condominium in Florida, you will have a hurricane deductible that is separate from your regular policy deductible. Yes, in Florida and states affected by hurricanes, auto insurance covers damage caused by hurricanes, as long as your policy includes comprehensive coverage. We partner with the country's top home insurance companies so you can get a great policy at an affordable price.
Hurricanes can cause devastating damage, and a standard home insurance policy doesn't always cover all damage. You may not know if your plan includes storm or flood insurance or what your hurricane deductible is. While homeowners insurance policies don't technically include coverage for flood damage, there is a small loophole that could apply to you. The Florida legislature began requiring this policy, which is included in insurance policies for Florida homeowners, condominiums and homeowners at the time of purchase.
