Windstorm vs. Hurricane Coverage in Florida: What Homeowners Should Know

Florida homeowners face unique insurance challenges, especially during storm season. One of the most searched and misunderstood topics is windstorm vs. hurricane coverage in Florida. Knowing the difference can help protect your home and your finances when severe weather strikes.

Understanding Windstorm Coverage in Florida

Windstorm insurance covers damage caused by strong winds that are not part of a named hurricane. This may include:

 

- Severe thunderstorms

- Tropical storms

- Tornadoes

- Wind-driven debris damaging roofs, siding, or windows

 

In Florida, windstorm coverage may:

 

- Be included in your homeowners insurance policy

- Require a separate deductible

- Be excluded entirely unless added to the policy

 

Coverage depends on your home’s location, carrier, and distance from the coast.

What Is Hurricane Insurance Coverage?

 

Hurricane coverage applies when the National Weather Service officially declares a storm a hurricane. While it also covers wind damage, the biggest difference is the hurricane deductible.

Hurricane deductibles in Florida:

 

- Are usually 2%–5% of your home’s insured value

- Apply once per hurricane season

- Can mean thousands of dollars in out-of-pocket costs

 

This deductible is separate from your standard homeowners deductible and can significantly impact your claim payout.

Windstorm vs. Hurricane Coverage: Why It Matters

 

Many Florida homeowners assume all wind damage is covered the same way—but that’s not the case.

Key differences include:

 

- Windstorm damage from non-hurricane events often has lower deductibles

- Hurricane claims trigger higher, percentage-based deductibles

- Some policies exclude wind coverage unless specifically added

 

Understanding these details before hurricane season can prevent costly surprises.

Are Florida Homeowners Properly Insured?

 

Insurance requirements and coverage options vary widely across Florida. A policy that works for one homeowner may not be sufficient for another. Reviewing your coverage ensures:

 

- You understand your windstorm and hurricane deductibles

- Your home is insured to proper replacement value

- You’re prepared financially for storm-related damage

Get a Free Florida Home Insurance Quote

At Michaels Insurance Group Inc., we specialize in helping Florida homeowners navigate windstorm and hurricane insurance coverage. Our team will review your policy, explain your options, and help you find the right protection— at no cost.

📞 (631) 629-2233
📞 (386) 274-8150

Call today for a free insurance quote or policy review and make sure your home is protected before the next storm hits.