Wind and Storm Damage Claims Lawyer in Florida

Frequently Asked Questions (FAQs)

Does my Florida homeowner’s insurance policy cover wind damage?

Most standard homeowner’s insurance policies cover wind damage. Of course, if you live near the coast, your plan will probably not cover wind damage. It’s best to review your homeowner’s insurance policy to confirm whether or not wind is a covered peril. Is the policy “all-risk”, or are there special clauses related to windstorms? If wind damage isn’t covered, consider modifying your policy or obtaining supplemental coverage through another insurer. It’s wise to be prepared, as your home is a valuable asset – and maybe your most valuable one.

What protections exist for property wind damage in Florida? 

There are two types of protection to look for if your homeowner’s insurance policy covers wind damage. The first is dwelling coverage, which protects your home’s overall structure. This coverage addresses repairs to the roof, windows, or siding of your home. The other protection is personal property coverage. This deals with replacement of personal property in your home that was damaged by the wind. Your policy may limit the payout amounts for each type of coverage.

What are the exclusions for home wind damage in Florida? 

Many insurers will argue that a certain type of home damage should be excluded from coverage because it is the result of normal wear and tear, a defect, maintenance issues, or poor repairs, and not caused by wind. A public adjuster’s assessment of your damage may support your claim. Check your policy to see if it contains any exclusions that might cause your claim to be denied.

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