What Does Hurricane Insurance Cover in Florida?

Aug 15, 2023

Understanding the Essential Protections for Homeowners

When people refer to “hurricane insurance” in Florida, they typically mean the coverage provided by a standard homeowner’s insurance policy that includes protection against damage caused by hurricanes and windstorms. This coverage is crucial for Florida residents due to the state’s vulnerability to hurricanes and tropical storms.

Living in Florida comes with many perks, from stunning beaches to year-round sunshine. However, it also means facing the potential threat of hurricanes. At the Insurance Litigation Group (ILG), we understand the importance of protecting your most significant investment – your home. Here are some crucial aspects of hurricane insurance coverage in Florida, helping you navigate the complexities and safeguard your property.

  1. Dwelling Coverage:

Dwelling coverage forms the foundation of your hurricane insurance policy. It protects the structure of your home, including the walls, roof, floors, and foundation, against hurricane-related damages. This means that if your home sustains damage due to high winds, heavy rainfall, or flying debris during a hurricane, your dwelling coverage should cover the repair or rebuilding costs up to the policy limits.

  1. Other Structures Coverage:

Apart from your main dwelling, your property might have additional structures like a detached garage, shed, or fence. Hurricane insurance typically offers coverage for these structures as well. Similar to dwelling coverage, any hurricane-induced damage to these structures should be covered under your policy, up to the specified limits.

  1. Personal Property Coverage:

Your personal belongings inside the home, such as furniture, electronics, clothing, and other items, are also eligible for coverage under most hurricane insurance policies. If these possessions are damaged or destroyed during a hurricane, your policy may reimburse you for the replacement or repair costs, taking depreciation into account.

  1. Loss of Use Coverage:

In the unfortunate event that your home becomes uninhabitable due to hurricane damage, and you need to temporarily relocate, loss of use coverage comes to the rescue. This coverage typically helps with additional living expenses, such as hotel stays, meals, and other accommodations, until your home is repaired and safe to live in again.

It’s important to note that standard homeowner’s insurance policies have deductibles and coverage limits, so you should carefully review your policy and consider adding additional endorsements or separate policies for valuable items or additional protection.

Since insurance policies can vary, it is always best to contact your insurance provider directly to understand the specific coverage details and options available to you for hurricane-related events in Florida. Make sure you have a clear understanding of what is covered, any exclusions, and the steps to take in case of a claim. Also, remember that insurance coverage options and policies may change over time, so it’s essential to stay up-to-date with the latest information from your insurance company.

At the ILG, we know that hurricanes can be a devastating force of nature, causing substantial damage to homes and property. Having a comprehensive hurricane insurance policy in Florida is essential to safeguard your home. To ensure you have the right coverage for your needs, contact us today! Our property claim attorneys are here to help.

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We are a client-focused law firm that fights aggressively on behalf of residential and commercial policyholders, contractors, restoration and mitigation companies, to produce maximum recovery results from insurance companies through our unique expertise, deep understanding of insurance law, cutting edge technology and proactive approach to litigation.

Insurance Litigation Group serves clients across the state of Florida. With over 7 offices statewide, our attorneys have the knowledge, skills and experience to resolve your dispute against the insurance company. 

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Contact us today about your situation so we can fight to get you paid. We can assist you in any coverage dispute, disagreement over liability or damages, or related matter.

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