What You Need to Know About Wind Coverage

Living in Florida comes with its unique set of challenges, especially when it comes to weather. Understanding wind coverage is crucial for homeowners due to the state’s high susceptibility to hurricanes and tropical storms. Understanding wind coverage can be essential for financially protecting your home and ensuring peace of mind during hurricane season.

What is Wind Insurance?

Wind insurance can help financially cover damage caused by high winds, hurricanes and tropical storms. This can include damage to roofs, windows, doors, exterior walls and personal property due to wind or rain entering through wind-created openings.

Is Wind Insurance Mandatory in Florida?

While not legally required, mortgage lenders often mandate wind insurance for homes in high-risk areas. Given Florida’s susceptibility to hurricanes, having wind coverage is highly recommended.

What Does Wind Insurance Typically Exclude?

Standard wind insurance policies usually exclude flood damage, even if caused by a wind event. Homeowners should consider purchasing separate flood insurance for comprehensive protection.

How Can I Reduce My Wind Insurance Premiums?

One way to lower premiums is through a wind mitigation inspection. This inspection assesses the hurricane-resistant features of your home, such as roof shape, window protection and construction materials. Homes with better wind mitigation features often qualify for discounts.

What Should I Do After Wind Damage Occurs?

Provide your insurance company with photos, videos and a detailed description of the damage to initiate the claims process. Most policies require notification within 24-48 hours of the event. An insurance adjuster will then inspect the damage and process the claim.

Learn More

For wind coverage near you, contact Florida Insurance Group.

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.