Wind damage
A property policy may address certain wind losses. In Florida, a hurricane deductible can differ from the standard deductible. Check declarations and exclusions.
Flood damage
Flood usually calls for a separate policy or endorsement. Review building and contents separately, and ask about the effective date and any waiting period.
Document what happened
After a loss, protect the property when safe, keep receipts and record how damage occurred. The insurer determines coverage under the facts and contract.
Learn more from official sources
Florida Department of Financial Services ↗ · NAIC Consumer Resources ↗
This is general information. Coverage, limits, exclusions, eligibility and pricing depend on the insurer and policy. Confirm your options with our team.