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Hurricane Insurance FAQ’s

Hurricane season will soon be over and thankfully South Florida managed to avoid any major storms this season, despite one scare.  Although hurricane season will hopefully end without incident this year, it is important that all South Florida homeowners inform themselves as to hurricane insurance coverage so that they can make the best possible decision when it comes to obtaining coverage for the new year.  Our Miami hurricane damage claim lawyers have provided the most frequently asked questions concerning hurricane insurance, intended to provide you with some important facts about this vital insurance coverage.

What will happen in the event of a hurricane if I do not have hurricane insurance?

If you have only homeowners’ insurance and not hurricane insurance, you will likely not be covered in the event a hurricane damages your home.  Most homeowners’ insurance policies do not cover hurricane damage.  Sometimes, you may be able to obtain coverage for water damage stemming from the storm if you have flood insurance or wind damage if you have wind coverage, but generally you will be unprotected in the event of a hurricane without obtaining this additional type of insurance. 

What does hurricane insurance cover?

Hurricane insurance will generally cover damage stemming from hurricane and windstorms, which includes damage from wind and rain.  However, hurricane insurance will not usually cover flood damage, even if it stems from the hurricane.  For this, you will need to purchase a separate flood insurance policy.  Flood insurance will cover structural damage to the interior and exterior of your home, as well as personal property if you elect to obtain this coverage.

What does hurricane insurance cost?

The cost of a hurricane insurance policy will depend upon the area in which you live, the age of your home, and your deductible.  Your policy will also be impacted by any mitigation improvements you have in place or elect to make, such as hurricane shutters and roof straps.  Policies can range from between $1,000 to $8,000.

How long do I have to obtain a hurricane insurance policy?

Generally, you will need to take out hurricane insurance before the start of hurricane season.  Once the hurricane season starts, most insurance companies will not issue new policies.  If you think you may wish to obtain coverage for the upcoming hurricane season, speak with an insurance agency that writes policies in your area as soon as possible.

What should I do if my hurricane or windstorm related claim has been denied?

If your home has been damaged in a hurricane or windstorm and your claim has been denied or minimized, contact a licensed homeowners’ insurance attorney as soon as possible.  Your attorney will investigate the claim and determine the best course of action towards obtaining coverage for your losses.  You have faithfully paid your premiums and deserve coverage in the event of damage to your home—consult with an attorney as soon as possible.

Greenberg Stone and Urbano:  Homeowners’ Insurance Attorneys Assisting in Hurricane Insurance Matters

If you need assistance with a hurricane insurance matter or any other homeowners’ insurance issue, contact the Miami Homeowners’ Insurance Attorneys at Greenberg Stone and Urbano  We have over 130 collective years of experience representing homeowners in need across South Florida.  Our firm offers the dedication and knowledge you need to successfully resolve your homeowners’ insurance matter.  We have been honored with a coveted AV rating from Martindale Hubbell and the Miami Herald recognized us as a top firm in South Florida.   Allow our outstanding attorneys to provide you with superior legal services in the South Florida area.  Call us at (888) 499-9700 or (305) 595-2400 or visit our website to schedule your initial consultation.


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