With Atlantic hurricane season running from June 1 through November 30, Florida homeowners have a limited window each year to review their insurance coverage and make sure they’re prepared. Too many families discover gaps in their coverage only after a storm has already struck — and by then, it’s too late.
Key Coverage Areas to Review Before Hurricane Season
Before hurricane season arrives, review these critical coverage components with your insurance agent. Make sure your dwelling coverage reflects the full replacement cost of your home, as construction costs in Florida have risen significantly. Verify that your policy covers hurricane-force winds or that you have a separate wind policy. Most critically, standard homeowners insurance does NOT cover flood damage — separate flood insurance through the NFIP or a private carrier is essential. Also confirm your Additional Living Expenses (ALE) coverage, which pays for temporary housing if your home becomes uninhabitable after a storm.
Understanding Hurricane Deductibles
Florida homeowners policies typically include a separate hurricane deductible, which is often expressed as a percentage of your home’s insured value (commonly 2-5%) rather than a flat dollar amount. On a $300,000 home, a 2% hurricane deductible means you’d pay the first $6,000 out of pocket. Make sure you understand your deductible before storm season.
Steps to Strengthen Your Home and Reduce Your Premium
Investing in wind mitigation can reduce your insurance costs significantly. Florida law requires insurers to offer discounts for wind-resistant features such as hurricane shutters, impact-resistant windows and doors, roof-to-wall connections, and roof shape. A wind mitigation inspection can identify upgrades that both protect your home and lower your premium. Don’t wait until a storm is in the Gulf to think about your coverage. Contact Numero Uno Insurance today to review your hurricane coverage and make sure your family is protected this season.