Does Home Insurance Cover Hurricanes in Florida?

Florida homeowners face unique weather risks. While standard home insurance covers wind damage from hurricanes, it typically does not cover flood damage caused by storm surge or heavy rains.

Wind vs. Water

Your standard homeowners policy usually includes coverage for windstorm damage. This means if hurricane winds damage your roof or blow out your windows, you are likely covered (subject to your hurricane deductible).

The Hurricane Deductible

In Florida, policies have a separate hurricane deductible, usually a percentage of your home's insured value (e.g., 2%, 5%, or 10%), rather than a flat dollar amount. This applies when a named storm causes damage.

Flood Insurance is Separate

It is crucial to understand that standard policies exclude flood damage. To protect against rising water and storm surge, you need a separate Flood Insurance policy.

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