Hurricane Coverage in Florida

In Florida, hurricanes are a fact of life—and protecting your home or business from storm damage is essential. Hurricane coverage in Florida refers to the part of your property insurance policy that helps pay for damage caused by hurricane-force winds, rain, and debris. However, understanding exactly what’s covered (and what’s not) is crucial before a storm hits.

How Hurricane Coverage Works

Hurricane coverage isn’t a separate insurance policy. Instead, it’s typically included in your homeowners or commercial property insurance. When the National Weather Service officially declares a hurricane warning, your hurricane deductible applies to any damage caused by the storm.

A hurricane deductible is different from a standard deductible—it’s usually a percentage of your home’s insured value, often between 2% and 10%. For example, if your home is insured for $400,000 and your hurricane deductible is 2%, you’d pay $8,000 out of pocket before your insurance begins covering the rest.

What Hurricane Coverage Includes

A standard homeowners policy with hurricane coverage in Florida usually protects against:

  • Wind damage – including roof damage, broken windows, and structural destruction caused by hurricane-force winds.

  • Rain damage – if rain enters through wind-damaged openings (like a broken window or torn roof).

  • Fallen trees and debris removal – for damage to covered property or blocked driveways.

  • Additional living expenses – if you’re forced to leave your home due to hurricane damage.

What Hurricane Coverage Does Not Include

A common misconception is that hurricane insurance covers all storm-related losses—but it does not include flood damage.
If storm surge or rising water enters your home, that’s considered a flood, and it’s only covered by a separate flood insurance policy (either through FEMA’s National Flood Insurance Program or a private insurer).

To be fully protected, most Floridians carry both homeowners insurance (with hurricane coverage) and flood insurance.

Why Hurricane Coverage Is Essential in Florida

Florida experiences more hurricanes than any other U.S. state. In recent years, storms like Ian, Michael, and Irma have caused billions in property damage. Without proper hurricane coverage, repairing or rebuilding after a major storm could be financially devastating.

Comprehensive coverage helps you:

  • Recover faster after a storm

  • Protect your investment and home equity

  • Meet mortgage and lender requirements

  • Gain peace of mind during hurricane season

Protect Your Property Before the Next Storm

Don’t wait until a hurricane is on the radar—once a storm warning is issued, insurers often place a moratorium on new policies or coverage changes. The best time to review your hurricane and flood insurance is now.

At Davis & Davis Insurance, we specialize in Florida hurricane insurance and can help you understand your coverage, deductible options, and flood insurance needs.

Contact us today for a free quote or policy review and make sure your home or business is fully protected this hurricane season.