What to know about Florida homeowner or renter’s insurance and hurricane damage

If you live in Florida, you need to understand what your insurance policy will cover in the event of a hurricane, regardless of whether you own or rent your home. 

The team of attorneys at Louis Law Group is here to help. In this post, we answer common questions about Florida homeowners and renter’s insurance and how insurance policies typically cover hurricane damage. 

Q: Does renter’s insurance cover hurricane damage in Florida?

Yes, but you will likely pay more for renter’s insurance if you live in a hurricane-prone area. 

Did you know that only 37% of renters in the U.S. have renter’s insurance? Renter’s insurance covers damage and theft to your personal belongings, and it could pay for additional living expenses if you need to move somewhere else if your home is damaged in a hurricane. 

Your landlord’s insurance will typically only cover damage to the building you live in, so you need to invest in a renter’s insurance policy in case your belongings are damaged during a hurricane. 

Most renter’s insurance policies come with a deductible you need to pay before the policy kicks in, so be sure you can afford the deductible before purchasing renter’s insurance. 

Q: Does homeowner insurance cover hurricane damage in Florida?

Maybe, but in Florida, it

, except for flooding. However, if you live in an area prone to hurricanes, your insurance company may limit its coverage of hurricane damage or charge you a higher deductible for hurricane damage. 

That means that many Florida homeowners need to purchase additional insurance coverage, often referred to as hurricane insurance. Florida homeowners may also need to have additional windstorm coverage and flood coverage as well. 

Be sure you understand what your insurance company will cover in the event of a hurricane before purchasing a policy. If you need help to understand your policy or need to file a claim with your insurance company, reach out to the attorneys at Louis Law Group today.  

Q: How can Louis Law Group help me work with my insurance company? 

Working with insurance companies can be frustrating and confusing. The attorneys at Louis Law Group can relieve much of the stress by working on your behalf with your insurance company to handle your hurricane damage claim. 

Our experienced attorneys can guide you through complicated insurance policy documents and give the insurance company everything they need to provide you with fair compensation. 

How to contact us

Contact our team of Florida property damage claim lawyers at Louis Law Group today. You can learn more about us and our services here. For immediate help, schedule a free consultation by calling 954-676-4179. 

Our attorneys will be happy to assist you in English, Spanish, or Creole.