West Palm Beach, Florida Personal Injury Lawyers

The attorneys of Smith, Vanture & Bogani, LLP are standing by. Call us today, or send us an email by filling out the form below. A member of our staff will call you to discuss your case within 24 hours.

Smith, Vanture & Bogani, LLP

West Palm Beach Office
Tallahassee Office
Orlando Office

To Contact Any Office

Call Toll Free: 1(800) 443-4529

Practice Areas

Please select your area of interest.

Open ALL | Close ALL

HURRICANE INSURANCE POLICIES

INSURANCE POLICY INFORMATION

Homeowners insurance policies in Florida are more restrictive in their coverage following statutory changes in the year 2000. Most Florida homeowners are now required to carry separate hurricane coverage and there
are specific deductibles that apply to hurricane losses that do not apply to other weather related losses or floods. General homeowners policies will probably not cover your losses following a hurricane.

The typical Florida hurricane policy will have a deductible equal to 2% of the homes value. Some persons will have elected a higher deductible, in an effort to save costs. In that event, the deductible is typically 5% of the
homes value. Therefore, if your home is worth $100,000 and you have elected the standard 2% deductible, your out of pocket expenses will be $2,000. If you have elected the higher deductible to save on premiums, your out of pocket expenses following a hurricane will be $5,000.

The typical hurricane policy will cover the following losses:

Wind damage to your home and attached structures;
Rain damage that is a result of rain entering through a wind-damaged area; Emergency repairs to prevent further damage; Debris removal; and The actual cash value or replacement value of the damaged property, depending on the policy.

Flood insurance is sold separately. It covers damage by these types of water: waves; tidal action; overflowing rivers, creeks or lakes; and groundwater runoff. Also covered by flood insurance are repair or replacement of damaged or destroyed buildings; compensation for damaged or destroyed property at its actual cash value; and debris removal.

Vehicles damaged by hurricanes are usually covered by the comprehensive section of an auto insurance policy.

With offices in West Palm Beach and Tallahassee, we are strategically located to handle disputed insurance claims from all three hurricanes. We handle cases throughout the states of Florida and Georgia.

We invite you to ask us questions about your hurricane claim for free, by submitting your question on the "Contact Us" form here.