Hurricane insurance in Florida covers your home, your belongings and the additional living expenses associated with any wind-related claim up to the maximum limits of your policy. So, you'll need to make sure you have enough coverage to completely rebuild and replace everything before hurricane season begins. Other structures, such as the garage, greenhouse or shed. The provision states that, once the first hurricane deductible has been applied, the deductible for the second hurricane (during the same year) will be the largest amount remaining from the first hurricane deductible, if the “all risk” deductible or deductible has not been met.
Keep in mind that if your policy has a separate ceiling deductible, the ceiling deductible will not apply when the hurricane deductible applies. The hurricane deductible applies per calendar year, as long as it is insured by the same insurance company or an insurance company in the same group for all subsequent hurricanes. It ends 72 hours after the end of the last hurricane alert or warning issued for any part of Florida by the National Hurricane Center. Protecting your property from hurricane damage is possible with a Florida home insurance policy.
Learn how Florida's single-season hurricane deductible applies during a multi-storm hurricane season. Check the rates of multiple insurers if you're looking for a new policy or if it's been a year or more since you bought your current coverage. This brochure offers tips on how to deal with damage caused by hurricanes and other natural disasters, including numbers to call for help with insurance issues. You can search for property insurance and compare home insurance quotes for a new home or to replace an existing policy.
Your mortgage lender may require you to have a flood insurance policy if you live in a particularly risky area. If a hurricane causes increasing flooding and water enters your home, flood insurance covers water remediation and repairs. If the hurricane deductible were fully covered by the first hurricane claim, the “all-risk” deductible would apply to other hurricane claims filed in the same year. Renters insurance isn't required, but it can protect your personal property from damage if a hurricane strikes.
If you live in a high-risk coastal area, you may be wondering what Florida hurricane insurance covers, if there are limits on the policy, and how much the deductible could cost.
