Florida Home Insurance: Hurricane Deductibles and Flood Coverage
Compare a Florida home insurance proposal by checking its hurricane deductible, wind terms, and separate flood coverage.
By Insurazon Editorial Team
Check the hurricane deductible in dollars
Start with the declarations or written proposal. Locate the hurricane deductible, any other deductible, and the dwelling amount. Ask the insurer which deductible applies in each scenario and what a percentage represents in dollars for the proposal you are reviewing.
If you have a wind mitigation inspection or records for shutters, roof work, or protected openings, ask the insurer what documentation it accepts. The Florida Department of Financial Services explains how eligible mitigation work can affect premiums.
Florida Department of Financial Services homeowners insurance overviewAsk separately about rising water
The Florida consumer guide explains that homeowners insurance excludes flood damage. Ask for a separate flood proposal if you want to compare that protection. Match the address, building and belongings limits, deductibles, and start dates before you compare costs.
Save the written response with the proposal. If the quote, policy, and inspection records describe the home differently, ask the insurer to reconcile those details before you rely on the offer.
Insurazon provides general education. Ask your insurer or a licensed insurance professional to review the terms for your situation.