Do You Need Both Windstorm and Flood Insurance for Hurricanes?

Hurricanes are among the most devastating natural disasters, often inflicting extensive property damage and financial losses on millions of U.S. homeowners. For those in Florida, these tropical storms are an especially prevalent threat given the Sunshine State’s proximity to multiple large bodies of water. With these things in mind, you and your family should be well aware of your hurricane-related insurance needs, including what types of coverage are advisable.

What Is Hurricane Insurance?

Although a common term, hurricane insurance is not generally available as a named product. Instead, you’ll typically need to procure multiple types of coverage, including flood insurance and windstorm coverage. When combined, these financial protections can help offset many losses caused by hurricanes, including those arising from powerful winds that might fling debris through your windows and floodwaters seeping into your home.

How Can I Get the Right Coverage?

You should first understand that standard home insurance policies cannot generally be relied on to provide sufficient coverage for hurricanes. Although home insurance companies in Florida are required to offer windstorm coverage as part of standard policies, floods are still excluded in most cases. This means that you’ll need to procure separate floor insurance as a way to financially protect yourself from the heavy rains and overflowing bodies of water that may come with hurricanes.

Floor insurance is often available through the Federal Emergency Management Agency’s National Flood Insurance Program (NFIP). Alternatively, you might consider policies offered by private insurers, which may include higher coverage limits than those available through the NFIP.

How to Get Coverage for Hurricanes Near Me

If you need flood insurance or want to confirm that you’re covered against windstorms, contact Baker Insurance Group Inc.. Our dedicated team can help you assess your situation and secure appropriate coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.