Florida homeowners are no strangers to hurricanes, but many wonder if their insurance policies truly protect them during these powerful storms. While homeowners insurance covers a range of damages, having the right hurricane insurance is crucial for those living in high-risk areas. Let’s break down the differences between these types of insurance and why it’s essential to ensure your home has the proper coverage.

What Does Homeowners Insurance Cover?

Homeowners insurance offers broad protection, covering damage from events like fires, theft, and some natural disasters, such as windstorms and lightning. However, in hurricane-prone states like Florida, standard policies often don’t fully cover hurricane damage. For example, while your policy may cover wind damage, flooding requires a separate flood insurance policy.

Additionally, Florida policies usually include a hurricane deductible. This deductible is higher than your typical one, meaning you could pay more out of pocket if a hurricane causes damage. It’s important to understand the specifics of your homeowners insurance to avoid surprises during a claim.

What Is Hurricane Insurance?

Hurricane insurance, also known as windstorm coverage in some areas, focuses on damage caused directly by hurricanes. Once the National Hurricane Center issues a hurricane warning, this coverage kicks in. It protects your home’s structure—roof, windows, walls—as well as damage from flying debris. Some policies even cover temporary living expenses if you need to leave your home for repairs.

It’s essential to check if hurricane insurance is included in your policy or if you need to purchase it separately. Without it, you could be stuck with major repair bills after a storm, especially if your homeowners insurance doesn’t cover key hurricane-related damage.

How to Ensure You’re Protected

Understanding your coverage is critical, especially when it comes to hurricane risks. In Florida, most mortgage lenders require homeowners to have hurricane insurance if they live in high-risk zones. Even if it’s not required, having the right insurance can save you from hefty repair costs after a storm.

What PRP Roofing Can Do for You

Your roof is the first line of defense against hurricane damage. PRP Roofing knows how important it is to have a strong, reliable roof to protect your home. We specialize in stone-coated metal roofing, which is perfect for Florida homes because it offers exceptional durability against hurricane-force winds and flying debris. Our team can inspect your roof after a storm and help you navigate the insurance claim process, ensuring you get the coverage you need.

If your roof needs repairs, a replacement, or an upgrade to a more resilient material, PRP Roofing is here to guide you. Don’t wait until the next storm hits—schedule a consultation today and make sure your roof is ready for the next hurricane season.