Please share some details and we'll be in touch shortly.
In the meantime, please check out Florida best insurance practices.
Windstorm Insurance Coverage
Windstorm insurance is something Florida homeowners need to be familiar with. When it comes to windstorm coverage, there is no one size fits all coverage. Options will vary by location and insurance carrier. While one carrier may require specific insurance for hurricanes, another may include it in the windstorm policy, while another carrier may include it in the base policy.Windstorm insurance will typically cover damages to your home and personal belongings inside your home. Many policies also cover detached structures such as garages, sheds and even swimming pools. When forced winds damage roofs and windows, this allows rain and debris to cause additional interior damage.
Windstorms are usually followed by storm surges and flooding. It is important to realize that windstorm insurance will not cover damage caused by flooding waters. Flood insurance coverage must be purchased separately to cover flooding events, and takes 30 days to go into effect. Windstorm insurance will not cover damages to your vehicle(s) and must have a comprehensive automobile insurance policy in place to cover the vehicle(s).
If you need to file a claim for damages caused by a windstorm, there are steps you can take to ensure that you get the coverage which you are entitled. The most important thing to remember is to act quickly. Many policies limit the time frame in which you can file a claim for storm damage. Often this is because failure to fix the problems can lead to more damage later. Immediately after a windstorm, It's a good idea to take the following steps:
- Record the date of the storm and save any news articles about the storm as proof.
- Assess and record all damage that you see from the ground; take photos and video if you can.
- Have at least two licensed contractors inspect and provide repair estimates from storm damage.
- Contact the claims department of your insurance carrier and follow their instruction.
- Have all information you have gathered and request a visit from a claims adjuster.
- Ask a contractor to be present during the insurance adjuster’s inspection to ensure you receive a fair assessment.
- If your claim is denied, remember you're entitled to meet with three different insurance adjusters.
Remain calm and persistent !
Thank you for getting in touch!
One of our colleagues will get back to you gggggshortly.
Have a great day!