Unlike homeowners insurance, your flood insurance policy will cover damage caused by a flood after a hurricane. Flood insurance policies typically cover the contents within your property, as well as the building itself. We'll represent you during each phase of your complaint, speak on your behalf with all parties involved, protect your rights, and keep you informed every step of the way. We understand that hurricane insurance is not the same as flood insurance in Florida and we can help with your initial claim to your insurance company or with your appeal.
Let us help you get back on the road to recovery. No, hurricane insurance is not required in Florida. However, since Florida is in a hurricane-prone area, hurricane insurance is sold as part of the standard homeowners insurance policy. Hurricane insurance generally only covers damage caused by wind and damage caused by flying debris.
However, it usually doesn't cover floods. So, if you're concerned about the possibility of a flood, you'll want to purchase flood insurance separately. Most standard home policies cover damage caused by hurricanes, except for flood damage and, in some areas, wind damage. For most of the history of the United States, very few people had flood insurance because it was too risky for insurers and too expensive for homeowners.
In Florida, hurricane insurance is mandatory for people who own and have a mortgage on homes or condominiums, including homeowners, in the form of a windstorm insurance policy. Therefore, if your home is damaged by floods due to a hurricane, you may only be able to file a claim with your flood insurance policy and not with your hurricane insurance policy. Leslie Kasperowicz is an insurance expert with four years of direct agency experience and more than a decade creating educational content to help insurance buyers make safe and informed decisions. If you suffer wind damage from a hurricane, tropical storm, or tornado, you'll have to pay your hurricane deductible before the insurer steps in to pay for the remaining damages, if it's considered that the claim was due to one of the three common wind hazards.
If you own a home or condominium in Florida, you will have a hurricane deductible that is separate from your regular policy deductible. If you have hurricane insurance and suffer flood damage as a result of a hurricane, you'll need to file two separate claims: one to your hurricane insurer and one to your flood insurer. If you're having trouble buying windstorm insurance through any of these companies, you can try buying it through an insurance association, such as Citizens Property Insurance Corp. Hurricane insurance in Florida covers your home, your belongings and the additional living expenses associated with any wind related claims up to the maximum limits of your policy.
If your insurance company denied or underestimated your commercial hurricane insurance claim or flood damage claim or refuses to investigate the claim, call the Law Offices of Anidjar & Levine for a no-cost, no-obligation consultation at 1-800-747-3733. As you can imagine, you can get insurance that will protect you from everything from major insurance companies and minor insurance companies. The Florida Office of Insurance Regulation (FLOIR) describes several types of home insurance coverage.