Is Wind Damage Covered Under Florida Insurance?

Thanks to hurricanes and tropical storms, wind damage is nothing new to longstanding Florida residents.  Unfortunately, when wind damage does occur, many are surprised to find their insurance companies rejecting their wind damage claims. That’s why Strems Law Firm, P.A. is here to explain how wind damage insurance works in Florida.

Typical Florida Homeowner’s Insurance Policies

Typically, Florida homeowner’s insurance policies cover general damage, including:

  • Structure damage (the actual home);
  • Other structures damage (swimming pools, unattached garages, gazebos, etc.);
  • Personal property damage (furniture, clothing, jewelry, television, etc);

However, windstorm coverage may or may not be in your homeowner’s insurance policy.

Windstorm Coverage

Some Florida homeowners must maintain windstorm insurance coverage for their homes. In certain circumstances, windstorm coverage is part of the general homeowner’s insurance policies. However, in other situations, a homeowner will have to pay for windstorm coverage on its own.

If windstorm insurance is different from the general homeowner’s insurance, what is it?

Windstorm Insurance

Windstorm insurance protects homeowners from paying rebuilding or repair costs for homes damaged by hurricane-force winds. Interestingly, hurricane-force winds are not necessarily determined by wind speeds, but winds from storm systems that the National Hurricane Center of the National Weather Service deem hurricanes. 

Therefore, covered windstorm damages are damages resulting from hurricane winds as determined by the National Hurricane Center.

Are You Covered?

After reading through this blog, you may be worried that your denied wind damage insurance claim is the end of the road. Before calling it quits, it’s wise to talk to an experienced windstorm damage attorney about your case.

Strems Law Firm, P.A. represents 128 years of sophisticated litigation experience, which means our attorneys have no problem determining the extent of Florida windstorm insurance coverages.

One free consultation could lead to compensation! Call (786) 661-3111 now to set up an appointment.


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