The deductible
Your storm deductible is probably a percentage
Often a percentage of the insured value. On a $2 million building, 5% means the first $100,000 is yours.
Florida storm season · June 1 to November 30
Hurricane and flood coverage, settled before the season.
For a restaurant, a rental, or a family home. What to know, and what to check while the sky is clear.
Three things owners learn too late
What you'd owe is decided before the storm.
All three can be fixed, but only ahead of time.
The wait
Flood is a separate policy, and it isn't instant
Standard policies exclude flood, and new flood policies usually wait 30 days to start. August coverage may not cover an August storm.
The freeze
Carriers stop writing when a storm approaches
Once a named storm threatens Florida, new policies and changes pause until it passes.
Wind and water
Wind and flood are two different policies.
A hurricane can do damage two ways, and in Florida each is usually insured separately.
Wind
Roofs, windows, and rain driven in through the openings. Usually covered by your property or home policy, with its own hurricane deductible.
Flood
Rising water, including storm surge. Excluded from standard policies, so it needs its own flood policy.
Questions we ask
For your business, and for your home.
The ones we go through on every review. Tap or hover to open.
Businesses and rental properties
Would you be paid while you're closed?
Business income coverage can replace lost revenue. We check that it applies during an evacuation order.
Is food and inventory covered after an outage?
Spoilage coverage is often an add-on, not a given.
What happens to cancelled bookings?
We check whether lost bookings after a storm are covered, and for how long.
Do your rents keep coming in?
Loss of rents coverage can replace income while a unit can't be lived in.
Homeowners
What's your hurricane deductible in dollars?
Usually a percentage of the home's value. We'll turn it into a number you can plan for.
Could a wind mitigation inspection lower your premium?
Roof straps, impact windows, and shutters can earn credits.
Do you need flood if you're not in a flood zone?
Flooding happens outside high-risk zones too. We'll price it for your address.
Where would you stay after a storm?
Additional living expense coverage can pay for it. We check your limit.
Before June 1
A short list for the off-season.
- Know your storm deductible in dollars.
- Confirm you have flood coverage, and when it started.
- Photograph your property and contents.
- Save your policy numbers and claims line offline.
- Review with Jose in the spring.
After a storm
What to do first.
- If anyone is hurt or in danger, call 911.
- Photograph the damage before cleaning up, and keep receipts.
- Report the claim to your carrier.
- Call Jose at (786) 622-2873, and before signing with any contractor.
Questions
Storm coverage, in plain language.
Don't see yours? Call (786) 622-2873 or email jose@coastlineinsure.com.
No. Flood takes a separate policy, through the National Flood Insurance Program or a private carrier.
Flood. Without a flood policy, surge damage usually isn't covered, even in a hurricane.
Usually not. New policies and changes pause when a storm threatens, so act before the season.
Let's talk coverage
Know your renewal date? Start there.
Tell us about your business or property and when your current policy renews. We'll reach out with enough time to compare real options, not the week it expires.
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