On the Treasure Coast, wind coverage is the heart of any property policy. Most homeowners policies include it; some don’t, and some homes need a separate wind-only policy. We help you check what you have, what you’d pay out of pocket after a named storm, and how to lower your premium.
Owners of homes, condos and rental properties in Florida.
Hurricane deductibles are usually a percentage of dwelling coverage, not a flat dollar amount.
Wind mitigation credits, flood policy, loss assessment for condos.
How hurricane coverage works in Florida
- Wind coverageCovers wind damage from hurricanes and tropical storms — roof, windows, siding and resulting interior damage.
- Hurricane deductibleApplies once per hurricane season and is commonly set at 2%, 5% or 10% of your dwelling coverage, depending on what your carrier offers.
- Wind-only policiesIf your home policy excludes wind (an “ex-wind” policy), you may need separate wind coverage — sometimes through Citizens.
- Flood is separateStorm surge and rising water are flood losses and require a flood policy.
How to lower the cost of wind coverage
A wind mitigation inspection documents features like roof-to-wall connections, roof deck attachment and opening protection. Florida insurers must offer discounts for qualifying features, and the savings can be significant.
Florida tip: Insurers commonly stop binding new coverage or changes once a named storm is in the forecast area. Review your policy before June 1 — not when a storm is approaching.
Hurricane & Windstorm insurance across the Treasure Coast
Our office is at 1165 SW 27th Street, Palm City, FL 34990, and we help clients with hurricane & windstorm insurance throughout Martin and St. Lucie counties — and anywhere in Florida.
Frequently asked questions
What is a hurricane deductible?
It’s the amount you pay before your policy pays for hurricane damage. In Florida it is often a percentage of your dwelling coverage — for a $400,000 dwelling limit, a 2% deductible is $8,000.
Can I buy coverage when a storm is coming?
Usually not. Carriers typically suspend new policies and coverage changes when a named storm threatens the area. Plan ahead.
Does a new roof lower my premium?
Often, yes. Roof age and condition weigh heavily in Florida pricing and eligibility, and a newer roof may also improve your wind mitigation results.
Ready for your hurricane & windstorm quote?
Free, no-obligation, and compared across multiple carriers.