Is Your Florida Home Really Covered This Hurricane Season?
Hurricane season in Florida is no longer just a weather event — it’s a financial risk. With climate change intensifying storm activity and rising insurance premiums, homeowners across the state are facing a critical question:
Is your insurance policy actually enough to protect you when disaster strikes?
The False Sense of Security
Many Florida homeowners assume their standard home insurance automatically includes flood or windstorm damage. But in most cases, flood damage is not covered by your regular policy. In fact, FEMA reports that just one inch of floodwater can cause up to $25,000 in damage — and most homeowners won’t see a dime unless they’ve purchased separate flood insurance.
The same applies to windstorm damage. While some policies include limited wind coverage, others require add-ons or special deductibles — especially in coastal areas.
What Your Policy May Be Missing
Here are a few gaps we see too often in Florida policies:
No flood insurance (despite flood zone risks increasing every year)
Outdated dwelling coverage that doesn’t reflect today’s construction costs
High hurricane deductibles you didn’t realize you accepted
Lack of loss-of-use coverage (temporary housing after damage)
No protection for detached structures (sheds, garages, fences)
Without understanding these gaps, many homeowners find out too late that they’re severely underinsured.
Why 2025 Is Different
This year, insurance carriers are tightening underwriting, rates are rising, and eligibility is getting stricter — especially in Florida. Some insurers are even pulling out of high-risk areas, making it more important than ever to review your policy before storm season peaks.
The good news? You still have time to protect your home — but the window is closing fast.
What You Can Do Today
Review your policy line by line
Ask your provider if flood and windstorm coverage are included
Update your home’s replacement cost estimate
Consider umbrella liability protection for extreme weather risks
If you're unsure where to begin, you're not alone. At Starisks, we help Florida homeowners identify coverage gaps, understand exclusions, and tailor their insurance for hurricane season — with no pressure.
Connect with Joel Goldman for personalized support on insurance and financing solutions.
For trusted protection and coverage, visit Starisks Insurance.
For real estate or business loan options, explore HMMB Funder LLC.
You can also connect with Joel on LinkedIn, reach him at +1 929-520-9596, or book a call directly to get started.
