Living in Florida means sunshine, sandy beaches—and hurricane season. Every year from June through November, Floridians brace for powerful storms that can bring severe weather and devastating damage. While stocking up on supplies and securing your property is critical, ensuring your windstorm insurance is up to date is just as essential—and often overlooked.
Hurricane season has already begun – so before the next storm is on the radar, take a few minutes for this last, crucial check. Is your Florida windstorm insurance ready for whatever hurricane season brings?
What Is Windstorm Insurance?
Windstorm insurance covers damage caused specifically by high winds—typically from hurricanes, tropical storms, and tornadoes. In many parts of Florida, this coverage isn’t automatically included in a standard homeowners insurance policy. Instead, it’s offered as:
- A separate windstorm policy
- An endorsement or rider added to your homeowner’s coverage
- A policy provided through Citizens Property Insurance Corporation, Florida’s insurer of last resort
Without proper windstorm coverage, you could face massive out-of-pocket costs for roof repairs, structural damage, fallen trees, and more after a storm hits.
Final Steps to Obtaining Adequate Windstorm Insurance
- Step 1: Review Your Current Coverage
Start by pulling out your insurance documents—or better yet, call your agent. Ask if you have a windstorm policy in effect. If not, inquire as to the best way to obtain that coverage. Be sure to ask about coverage limits, and if they are enough to rebuild or repair your home based on current construction costs. Confirm your deductible as well, as many homeowner’s have been surprised by the amount of their required contribution after a disaster. - Step 2: Understand Policy Exclusions
Windstorm insurance doesn’t cover everything. Common exclusions include flood damage (you’ll need a separate flood insurance policy through FEMA or the private market), pre-existing damage or poorly maintained roofs and detached structures like sheds or fences (unless specifically listed). Understanding what’s not covered helps you avoid surprises later—and may prompt you to close any coverage gaps now. - Step 3: Document Your Property
In the event of a claim, having before-storm documentation of your property makes a huge difference. Therefore, it is vital to photograph or video every room, including close-ups of major appliances and valuables. You’ll also want to document the exterior, including the roof, windows, and landscaping. Be sure to store this information securely – on the cloud or in a fireproof home safe are good options. This step won’t change your policy, but it can streamline your claim and help ensure you receive the full compensation you’re entitled to. - Step 4: Ask About Discounts
Many Florida homeowners qualify for wind mitigation credits that can significantly lower insurance premiums. Tell your agent if you have impact-rated windows or shutters or hurricane straps/clips securing the roof. If you’ve made upgrades to your home, especially since your last inspection, a new wind mitigation report could save you money and improve your home’s resilience. - Step 5: Don’t Wait for the Storm to Be Named
Once a storm is forecast or named, insurers may place a temporary moratorium on writing or modifying policies. That means you can’t adjust your coverage when the storm is already on the way.
Get the Expert Advice You Need While Skies are Still Clear
Hurricanes are unpredictable, but your preparedness doesn’t have to be. Windstorm insurance is a critical layer of protection for Florida homeowners—so treat it with the same priority as storm shutters and emergency kits.
Consider this article as your last check: Review your policy, know your deductible, close coverage gaps, and make sure you’re truly storm ready. A few proactive steps today could save you thousands—and a whole lot of stress—tomorrow.
Call Anderson & Associates Insurance Group with any questions, concerns or coverage needs.
