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The above description provides a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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Kingdom Tree Insurance Group

113 South Monroe Street,
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Tallahassee, FL 32301

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Hurricane Windstorm Coverage in Florida Homeowners Insurance Policies

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Homeowners in the state of Florida are not required by law to have homeowners insurance, but a mortgage lender will usually compel a homeowner to do so. Florida law does, however, require that insurance providers include a provision that covers wind damage caused by storms classified as hurricanes by the National Hurricane Center. 

Policy Features

It is standard that a customer will have two deductibles, one for claims related to windstorm devastation and one for everything else. A client’s insurance claim can cover losses incurred within 72 hours after a declared hurricane’s status has been terminated, and a homeowner will not be compelled to pay more than one deductible per storm season. 

Extra Benefits

The state of Florida affords insurance companies the use of reassurance programs to reimburse them for a portion of their losses during widespread disasters, and homeowners can avail themselves of free home inspections to determine their dwelling’s ability to withstand inclement weather. Inhabitants of Tallahassee FL can be eligible for discounts when they update their home with certain features designed to minimize the effects of high winds. These can include sealing the roof to add extra insulation, prevent leaks, to keep roof shingles from blowing away, and reinforcing load bearing walls to the roof to enhance the overall strength of the structure. Homeowners can also install hurricane-rated doors for their home and garage, and they can install storm shutters and shatter-proof windows. 

Contact Kingdom Tree Insurance Agency 

Kingdom Tree Insurance Agency in Tallahassee, FL has experience serving the residents in and around Florida, Alabama, and Georgia, and we provide a variety of insurance options suited to meet your needs. We invite you to stop by our office to discuss all your insurance requirements with our friendly agents. We look forward to hearing from you.