Florida offers plenty of sunshine, but it also comes with the risk of hurricanes and severe storms. As a homeowner, it’s essential to understand how your insurance protects you and where it may fall short, especially as it pertains to wind damage.
At Gene Smith Insurance Agency, we help our clients navigate the complexities of Florida homeowners insurance and explore additional wind coverage options for greater peace of mind.
What Does Basic Homeowners Insurance Cover?
Most standard homeowners insurance policies include some protection against wind damage. However, this coverage often comes with limitations.
For example, certain policies may have high deductibles for hurricane-related claims or exclude windstorm damage altogether, especially in coastal areas. Reviewing your policy details to know exactly what is and isn’t covered is crucial.
Why Consider Additional Wind Coverage?
Florida’s unique climate means that windstorms and hurricanes are a regular threat. Relying solely on basic homeowners insurance may leave gaps in your financial protection.
Additional wind coverage, such as a separate windstorm or hurricane policy, can help fill these gaps by:
- Covering damage caused by high winds, flying debris, and fallen trees
- Providing financial protection for your roof, windows, and exterior structures
- Offering lower, more manageable deductibles for wind-related claims
Types of Extra Wind Protection
Our team at Gene Smith Insurance Agency can help you explore several options for enhanced wind damage protection, including:
- Windstorm insurance—A separate policy designed specifically to cover wind-related damage not included in your standard homeowners insurance.
- Hurricane coverage endorsements—Add-ons to your existing policy that increase your financial protection during named storms.
- Flood insurance—A separate policy that covers flood damage, which often accompanies hurricanes but is typically excluded from standard homeowners coverage.
Wind Coverage in Dade City, FL
We understand the risks faced by Florida homeowners and are committed to helping you find the right coverage for your needs. Contact us today to review your coverage.
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.