Wind and hail are among the most common causes of property insurance claims in the US. In Florida, these perils are covered by most standard homeowners policies — but with important variations in deductibles, claim procedures, and coverage limits that significantly affect what you actually receive after a storm.
Standard homeowners policies in Florida cover direct physical loss from wind and hail to your dwelling, other structures, and personal property. This includes roof damage, window damage, siding damage, and damage to detached structures. Coverage applies to the sudden, direct damage caused by the storm — not deterioration, aging, or pre-existing conditions.
Many policies in high-wind-risk states use a separate, higher deductible for wind or named-storm damage. This deductible is typically expressed as a percentage of Coverage A (dwelling value) — commonly 1-5%. On a $300,000 home, a 2% wind deductible means $6,000 comes out of your pocket before the insurer pays. Check your declarations page carefully.
Document damage as soon as it is safe to do so: photograph the roof, siding, windows, gutters, and any damaged personal property before temporary repairs. Make temporary repairs to prevent further damage (your policy requires this) and keep all receipts — temporary repairs are a covered expense. File your claim promptly.
If the insurer's estimate is significantly lower than your contractor's estimate, obtain a second contractor opinion. Review the insurer's scope of loss document and ask for a written explanation of any item excluded. If the insurer claims pre-existing damage, request the specific evidence supporting that determination. If you still disagree, invoke the appraisal clause in your Florida policy.
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Regulatory resource: Florida Department of Financial Services — https://www.myfloridacfo.com. The Insurance Professor provides education only — not legal or insurance advice.