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. Keep in mind that flood damage is not part of this basic coverage. A standard Florida home insurance policy generally includes hurricane coverage.
In some states, damage caused by windstorms is excluded. But Florida law requires policies to cover wind damage if the National Hurricane Center declares the storm to be a hurricane. Insurers also often stop issuing or updating policies when the National Weather Service names a tropical system or when a hurricane alert or warning is issued. in Florida.
If you already have a homeowners or renters policy, contact your insurance agent to ask about hurricane coverage and deductible amounts. In addition, the December page also includes the name and mailing address of the policyholder, the physical address of the insured property, if different from the mailing address, and the name, mailing address and contact information of the insurance agent who issued the policy. Renters insurance isn't required, but it can protect your personal property from damage if a hurricane strikes. It's understandable that many people assume that their insurance policy covers all damage caused by a hurricane.
The single-season hurricane deductible is not required depending on policies issued in the excess line market. There are also separate flood insurance policies, and the National Flood Insurance Program (NFIP) can help you get a policy and answer questions. From the moment the National Hurricane Center issues a hurricane alert or warning for any part of Florida. If you are suffering the consequences of a hurricane or have questions about your insurance coverage, you should seek legal advice as soon as possible.
If the hurricane deductible were fully covered by the first covered windstorm claim, the “all-risk” deductible or standard deductible would apply to other windstorm claims that result from a hurricane that occurred in the same year. Because floods aren't covered, the Florida Office of Insurance Regulation (FLOIR) encourages residents to consider flood insurance. 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.
