Built for the season. Backed when the storm hits.
Hurricane coverage in Florida isn't a single policy — it's a stack: dwelling, wind, flood, and the deductibles between them. We build the stack right and stand by you when you file.
- Named-storm and hurricane deductible structuring
- NFIP + private flood quoted side-by-side
- Wind mitigation inspection coordination
- 24-hour claims advocacy during named events
Coverage that fits Florida realities
Named-storm wind
Wind damage from named storms — typically the largest single Florida exposure. We confirm your carrier writes wind without exclusions in your county.
Flood (storm surge)
Standard homeowners excludes flood. Storm surge is flood. We always quote NFIP plus 2–3 private flood markets so you can compare.
Roof & screen enclosure
Older roofs trigger ACV settlements at many carriers. We disclose this upfront and find markets that still write replacement-cost on qualifying roofs.
Loss of use
Hotel, food, and ALE during evacuation and rebuild — usually 20% of dwelling limit, sometimes extendable.
Business interruption
For commercial clients: revenue replacement while the storm shuts you down. Often more valuable than the property limit itself.
Boat, RV & specialty
Watercraft, motorhomes, and detached structures need their own wind coverage — we coordinate so nothing falls between policies.
Honest, Florida-specific ranges.
Every policy is priced individually. These are averages across Vantage clients in the last 12 months — your quote may be higher or lower based on location, structure, and history.
Frequently asked
Does standard homeowners cover hurricane damage?
Wind damage from a hurricane is generally covered — but it's subject to a separate, percentage-based hurricane deductible. Flooding and storm surge are NOT covered and require a separate flood policy.
When does the hurricane deductible kick in?
Once the National Weather Service names a storm and Florida declares an emergency, the hurricane deductible applies to wind damage from that storm — typically through 72 hours after the storm dissipates.
Can I bind new coverage when a storm is in the Gulf?
No. Florida carriers impose binding restrictions ('box closures') once a storm enters defined zones. This is exactly why we review policies in March–May, before the June 1 season starts.
What does wind mitigation save me?
On average, Florida clients see $400–$1,200/year in credits from a qualifying wind mitigation inspection — hip roofs, secondary water resistance, and impact-rated openings all reduce premium. Inspection runs $75–$150 and we coordinate it.
Get your Florida quote today.
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