If you think your homeowner’s insurance protects you from windstorm damage, you are wrong. You need additional wind insurance in Florida to cover potential damage during hurricane season.
What Does My Homeowner’s Insurance Cover?
Homeowner’s insurance covers events such as theft, medical injury and recklessness. Here are some examples:
- Someone breaks into your home and steals your possessions.
- Someone falls down the stairs inside your home and requires medical treatment.
- Someone vandalizes your home or damages your property.
In these types of situations, your standard homeowner’s insurance appraises the damages and compensates you accordingly.
What Does Wind Insurance Cover?
Wind insurance covers damages to your property and home due to windy weather events such as hurricanes. Some examples of damage include:
- A tree falls on top of your roof.
- Flying debris damages your siding and windows.
- Awnings and shingles are blown away.
This insurance also covers total collapse and demolition of your home from severe storms. Without such insurance, you face the cost of repairing and rebuilding your home alone.
How Do I Get Wind Insurance?
To purchase wind insurance in Florida, call your insurance provider to discuss your options and available payment plans. Ask about deductibles and what the coverage specifically provides. Do not wait until hurricane season to apply. Make sure your home is protected all year round.