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Storm, wind and water
What a storm decides on a Florida policy: which deductible applies, what the wind has to do first for water to count, and what an inspection puts on the record. Three notes on the part of the policy that the weather moves.
How long before flood insurance starts in Florida
An NFIP flood policy normally takes 30 days to start. The exceptions are narrow, and a storm in the forecast is not one of them.
How long you have to report a hurricane claim in Florida
Florida bars a property claim one year after the date of loss, 18 months for a supplemental. Condo loss assessments run on a separate clock.
Flood or water damage? Why the difference decides your claim
A burst pipe is not a flood. The NFIP definition says so in two words, and that is where most denied claims are actually decided.
How the hurricane deductible works on a Florida policy
Your policy has two deductibles. The storm decides which one applies, and the hurricane one is a percentage that grows on its own.
What a wind mitigation inspection changes on your Florida policy
Florida law requires insurers to price wind mitigation features into their rates. One state form decides whether yours are on the record.