Living in Florida means enjoying plenty of sunshine, but it also comes with the risk of hurricanes and intense seasonal storms.
One of the most common questions homeowners in Dade City and surrounding areas ask is whether wind coverage is truly necessary. In many cases, the answer is yes, and understanding why could help prevent major financial setbacks down the line.
What Is Wind Insurance? 
Wind insurance typically covers property damage caused by high winds, tropical storms and hurricanes. This can include roof damage, broken windows, collapsed fences and even structural issues caused by wind-driven debris. In Florida, insurers may include wind coverage in homeowners policies, but in high-risk areas, it may come with a separate deductible and additional requirements. Review your policy with your broker to understand your obligations and any coverage gaps.
Why Is It a Key Consideration in Florida?
Florida’s geography makes it one of the most hurricane-exposed states in the country. Even inland cities can experience strong wind events that lead to costly damage. Without windstorm coverage, homeowners may be responsible for repair costs that run into the tens of thousands. Additionally, your mortgage lender may require wind insurance as part of your overall coverage if your home is financed.
How Do You Know If You’re Covered?
Although carriers are typically required to include windstorm coverage in many cases for homeowners insurance policies, Florida law also mandates that you be given the choice to opt out of it. The easiest way to check your coverage is by reviewing the declarations page of your homeowners policy. Look for any mention of windstorm exclusions or separate deductibles. If your policy excludes wind damage or offers limited coverage, you may need to purchase a stand-alone wind policy through a private insurer or a state-supported option.
Other Factors to Consider
Keep in mind that windstorm insurance may come with separate deductibles, often based on a percentage of your dwelling coverage rather than a flat amount. You’ll also want to review how your policy handles additional living expenses if your home becomes uninhabitable after storm damage.
Learn More
Gene Smith Insurance in Dade City, Florida, can review your current coverage and help you explore windstorm insurance options tailored to your home’s location and risk profile. We’re here to help you feel more confident heading into hurricane season. Contact us today.
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.