FAQs

Make sure everyone is safe, then photograph and video all damage before cleaning up. Make temporary repairs to prevent further damage, such as tarping a roof, and keep every receipt. ...

No. Storm surge is flooding and is covered only by a flood insurance policy. After a hurricane, a home may have both wind damage, covered by the homeowners policy, and ...

Usually not. Once a hurricane watch or warning is issued for your area, insurers typically suspend new policies and coverage increases until the storm passes. Coverage changes need to be ...

A wind mitigation inspection documents features that help a home resist hurricane winds, such as roof shape, roof-to-wall connections, secondary water resistance, and impact-rated windows and doors. Florida insurers are ...

Most Florida homeowners policies have a separate hurricane deductible, usually 2, 5, or 10 percent of the dwelling coverage limit rather than a flat dollar amount. On a $3 million ...

Yes, on a phased schedule. Citizens Property Insurance Corporation began requiring flood coverage for homes with dwelling coverage of $600,000 or more in 2024, then $500,000 or more in 2025 ...

We strongly recommend it. FEMA reports that more than 25 percent of flood insurance claims come from properties outside high-risk flood zones. In Florida, intense rainfall, overwhelmed drainage, and storm ...

Most new NFIP policies take effect after a 30-day waiting period, with limited exceptions such as policies required at a home purchase or closing. Many private flood policies have shorter ...

The National Flood Insurance Program covers up to $250,000 for a residential building and $100,000 for contents. It does not pay additional living expenses while you are displaced, and contents ...

No. Standard homeowners and high-value home policies exclude flood, including storm surge, overflowing canals and rivers, and heavy rain that accumulates on the ground and enters the home. Wind-driven rain ...