Frequently Asked Questions
What is windstorm insurance and where do I need it?
Windstorm coverage protects against hurricane and tornado damage. In coastal states (FL, TX, NC, SC, LA, AL, MS), wind is often excluded from standard homeowners policies and requires a separate policy from state wind pools (e.g., Citizens Property in FL, TWIA in TX).
How much does windstorm/hurricane insurance cost?
In hurricane-prone coastal areas, windstorm coverage adds $1,500-$8,000/year. Florida's post-2023 average homeowners premium hit $6,000+ per Insurance Information Institute. Hurricane deductibles of 2-10% of dwelling value apply separately from standard deductibles.
What's the difference between named storm and hurricane deductible?
A hurricane deductible only applies if NHC declares a hurricane (Cat 1+). A named storm deductible triggers for any named tropical storm. Named storm deductibles cost more in claims out of pocket but typically come with lower premiums.
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