Wind Coverage in Florida

In hurricane-prone areas like Miami, FL, wind coverage isn’t just a nice-to-have; it’s often a necessity. High winds from tropical storms and hurricanes can cause widespread damage to roofs, windows, siding and other structures. Standard homeowners insurance may offer some protection, but in Florida, wind coverage is often handled as a separate line item or even a separate policy.

Understanding how wind insurance works can help you make sure your home is properly protected before the next storm season rolls in.

What Does Wind Coverage Include?

Wind coverage may pay for damage to your home and belongings caused by high-speed wind events. Covered damage might include the following:

• Roof damage—If strong winds tear off shingles or cause structural roof failure, wind insurance may help pay for repairs.

• Broken windows and doors—Flying debris or pressure changes can shatter glass or rip doors from their frames.

• Water intrusion—If wind damage creates an opening that allows rain inside, resulting water damage may also be covered.

• Detached structures—Fences, sheds and carports may be included, depending on your policy.

What Makes Florida Policies Different?

In Florida, many homeowners policies include a separate windstorm deductible, which is usually a percentage of the insured home value, typically ranging from 1 to 10%. Some coastal properties may require a standalone windstorm policy.

It’s also important to note that coverage terms can vary depending on your insurer and location within Miami, FL.

Review Your Coverage Before Storm Season

Because wind damage is such a high-cost risk in Florida, many insurers have strict eligibility and inspection requirements. An experienced agent from Florida Insurance Group can help review your policy, explain your wind deductible and recommend changes based on your home’s location, construction and condition. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.