Homeowners vs. flood insurance
Standard homeowners policies usually cover sudden, accidental water damage such as a burst pipe. Damage from rising floodwater, including storm surge, generally requires a separate flood policy through the National Flood Insurance Program (FloodSmart.gov) or a private insurer. Wind-driven rain through a storm-damaged roof is usually a homeowners or windstorm claim.
Report quickly
Florida law sets deadlines for giving notice of property claims, and your policy may set its own requirements. Report as soon as you can and get a claim number. Check your policy and the Florida Department of Financial Services for current rules.
Build your documentation file
- Photos and video before and after mitigation
- A room-by-room list of damaged items, with approximate age and where you bought them
- Receipts for emergency repairs, hotels and meals if you cannot stay home
- Moisture readings and drying logs from your restorer
- A log of every call and email with your insurer
Know your deductibles
Florida policies often have a separate hurricane deductible, frequently set as a percentage of the dwelling coverage, that applies to hurricane-related losses. Your declarations page shows it.
If you disagree
You can ask your insurer to explain the decision in writing, provide more documentation, or use options available under Florida law such as mediation. The Florida Department of Financial Services runs a consumer helpline for insurance questions and disputes.
General information, not legal or insurance advice. Check your policy and official sources.
Frequently asked questions
Is storm surge covered by homeowners insurance?
Generally no. Storm surge is treated as flooding and needs flood insurance. Wind damage from the same storm may be covered by your homeowners or windstorm policy.
Do I have to use the restoration company my insurer suggests?
You are generally free to choose your own contractor. Your insurer may have preferred vendors, but ask about your options and get the scope of work in writing.