Review the declarations page
Find the dwelling limit, hurricane deductible in dollars, all-other-perils deductible, wind coverage, roof terms, and endorsements.
Florida Hurricane Insurance Guide 2026
Compare the Florida home policy, hurricane deductible, roof terms, wind mitigation details, and flood options before you choose. Greene & Associates shops available home and flood coverage so you can see the protection and the price side by side.
Home coverage
Review wind, roof terms, dwelling limits, and the hurricane deductible.
Flood coverage
Compare NFIP and private flood options separately from the home policy.
Wind mitigation
Use the current inspection details when insurers calculate the quote.
Coverage and price
Put the available options side by side before you choose.
Florida hurricane insurance at a glance
- A homeowners policy can cover eligible hurricane wind damage when wind coverage is included. Compare the roof terms, limits, and hurricane deductible.
- Homeowners insurance generally does not cover rising-water flood or storm surge. Compare a separate NFIP or private flood policy for that risk.
- The declarations page should show the hurricane deductible in dollars, even when the option is described as a percentage.
- NFIP generally has a waiting period with listed exceptions. Private flood waiting periods and storm-related binding rules vary by insurer.
Want to see the home and flood options now?
Start with the address, roof age, current renewal, and any wind mitigation or flood documents you already have.
Prepare around the home and address
Build the hurricane insurance plan around the property
The useful insurance questions stay the same throughout the season: what covers wind, what covers flood, which deductible applies, and whether the limits fit the home. Those answers come from the address, declarations page, and policy forms.
The National Hurricane Center provides watches, warnings, and preparedness information. Use those official alerts for storm decisions. Use the declarations page, flood policy, and quote comparison for insurance decisions.
National Hurricane Center preparednessCheck the flood answer
Confirm whether a separate NFIP or private flood policy is active, what it covers, and when it takes effect.
Update roof and wind documents
Current permits, invoices, inspections, and wind mitigation details help insurers quote the home using accurate information.
Compare the prices together
Put the home premium, flood premium, deductibles, limits, and coverage terms on the same page before choosing.
Wind and water are different insurance questions
Which policy may cover hurricane damage in Florida?
Start with the cause of the damage. Wind coverage and flood coverage can sit in separate policies with separate limits, deductibles, and exclusions.
Wind damages the roof, siding, windows, or exterior
Review the homeowners policy for wind coverage, roof settlement terms, exclusions, limits, and the hurricane or wind deductible that applies.
Storm surge or rising water enters the home
Review a separate flood policy. FloodSmart says most homeowners insurance does not cover flood damage, including direct physical loss caused by flooding.
Rain enters after wind creates an opening
The home policy may respond when covered wind first damages the building and creates an opening. The cause of loss and policy wording matter.
The home cannot be occupied after covered damage
Review additional living expense coverage under the home policy. NFIP does not include temporary housing, while private flood forms may differ.
Compare both sides of the hurricane plan
We can quote the home and flood options, then show you which policy addresses wind, rising water, contents, and deductibles.
The deductible is part of the price decision
How Florida hurricane deductibles work
A hurricane deductible can be much larger than the standard deductible on the same policy. The useful number is the dollar amount shown on the declarations page, not the percentage by itself.
Start with the declarations page
The hurricane deductible should appear as a dollar amount even when the option is described as a percentage. Compare that amount with the all-other-perils deductible.
Know the statutory hurricane period
Florida ties the hurricane deductible period to National Hurricane Center warnings for any part of the state and a defined period after the final watch or warning ends.
Understand the calendar-year treatment
For personal residential coverage with the same insurer or insurer group, covered hurricane losses in the same calendar year may receive credit toward the annual hurricane deductible under Florida rules.
Check whether the policy is surplus lines
Florida DFS notes that surplus lines policies may use deductible terms that differ from the options required for admitted or authorized insurers.
See the hurricane deductible beside the premium
Send the renewal or declarations page. We will compare the deductible, dwelling limit, roof terms, wind mitigation, flood need, and available prices together.
Flood is a separate quote
Compare NFIP and private flood insurance for the address
FloodSmart says most homeowners insurance does not cover flood damage. NFIP and private flood options can differ on coverage, deductibles, effective dates, temporary housing, and price.
NFIP coverage generally begins after a waiting period, with specific exceptions listed by FloodSmart. Private flood waiting periods and storm-related binding restrictions vary. We will show the proposed effective date with each available option.
Get Flood PricesFlood quote details that help
Property address and occupancy
Building and contents choices
Foundation and construction details
Elevation information when available
Current flood policy or quote
Requested effective date and lender deadline
Use the inspection you already paid for
Wind mitigation can change a Florida home quote
Florida law provides for mitigation discounts or credits when qualifying features and insurer rules apply. A current wind mitigation inspection gives the insurer the roof and opening details needed to calculate the quote.
The result is specific to the home and insurer. We compare the report, roof information, hurricane deductible, coverage, and price instead of promising a fixed discount.
Florida wind mitigation guideFeatures the inspection may document
Roof covering and permit information
Roof deck attachment
Roof-to-wall connection
Roof shape
Secondary water resistance
Opening protection for doors and windows
Hurricane insurance review checklist
Gather the home, wind, deductible, and flood details
Start with the documents you have. Greene can help identify the next detail needed for a useful home and flood comparison.
Home policy and renewal
Gather the declarations page, renewal offer, endorsements, dwelling limit, roof terms, and both the hurricane and all-other-perils deductibles.
Roof and wind documents
Send the roof age, permit or invoice, wind mitigation inspection, and any updates to openings, roof deck attachment, or roof-to-wall connection.
Flood policy or flood quote
Include the proposed effective date, building and contents choices, deductibles, elevation information when available, and any lender requirement.
Home inventory and contact details
Keep current photos or video of the home and belongings, policy numbers, insurer contact information, and claim-reporting instructions in a secure place.
Official hurricane, flood, and Florida insurance sources
Check the policy against current public guidance
These sources support the hurricane, flood, deductible, and wind mitigation facts in this guide. Use the declarations page and policy form to confirm the coverage for your home.
Florida hurricane insurance FAQ
Keep comparing the details
Florida home, flood, deductible, and wind resources
Compare your Florida home and flood insurance
Send the address, renewal, roof details, hurricane deductible, wind mitigation report, and flood information. Greene & Associates will compare the available coverage and prices with you.