What You Should Know About Homeowners Insurance in Florida

Home Insurance
January 17, 2024

Next to politics and religion, Florida insurance is probably the most hotly debated topic over the last couple of years. But why?

In this blog post, we will uncover how homeowners insurance works in Florida and how you can file a claim. Let’s dive in.

The main reason is the skyrocketing cost, in some instances, 3 or 4 times what it was just a couple of years ago. This isn’t just a homeowner concern, businesses are feeling the crunch as well.

Role of Roof in Homeowners Insurance

Coverage for Wind and Hail Damage

Florida homeowners are well aware of the impact that hurricanes and tropical storms can have on their homes, particularly the roof. In the realm of homeowners insurance, coverage for wind and hail damage is a critical component.

1. Hurricane-Related Damage

Given the state’s susceptibility to hurricanes, homeowners insurance policies typically include coverage for wind damage caused by these powerful storms. This encompasses damages resulting from strong winds, wind-driven rain, and even the impact of airborne debris.

2. Hail Damage Protection

While hail may be less common in Florida compared to some other states, it’s not unheard of. Homeowners insurance often provides coverage for hail damage to the roof, including potential harm to shingles or other roofing materials.

3. Deductibles and Limits

It’s important for homeowners to review their policies to understand the deductibles and limits associated with wind and hail damage. Some policies may have specific deductibles for hurricane-related damages, which could impact the out-of-pocket expenses in case of a claim.

Central Florida Weather Impact on Roofs

The weather in Central Florida can be characterized by its subtropical climate, bringing both advantages and challenges for homeowners. Understanding how the local weather patterns impact roofs is crucial for securing adequate coverage.

1. Hurricane Season Challenges

Central Florida is no stranger to the Atlantic hurricane season, which runs from June 1st to November 30th. During this period, the region can experience strong winds, heavy rainfall, and potential storm surges. Homeowners should ensure their insurance coverage adequately addresses these specific challenges.

2. High Winds and Tornadoes

While not as common as hurricanes, high winds associated with severe thunderstorms or tornadoes can still pose a threat to roofs. Insurance policies typically cover wind damage, but it’s essential to be aware of any specific limitations or deductibles.

3. Local Building Codes and Regulations

Given the unique weather challenges in Central Florida, homeowners should also be mindful of local building codes and regulations. Ensuring that your roof meets current standards not only contributes to your safety but may also have implications for insurance coverage.

4. Regular Inspections and Maintenance

With the weather impact in mind, Central Florida homeowners should prioritize regular roof inspections and maintenance. Detecting and addressing potential issues early on can prevent more extensive damage, reduce the likelihood of insurance claims, and contribute to the overall longevity of the roof.

Understanding the role of the roof in homeowners insurance is especially vital in Florida, where weather conditions can be unpredictable. Checking that your insurance covers wind and hail damage is important.

Also, understanding how the local weather can impact your home helps homeowners make informed decisions and take proactive measures to keep their homes safe.

How does homeowners insurance work?

As a Licensed Community Association Manager (LCAM), I represented an association last year which saw their insurance policy double, increasing to $100,000 for the year. That was definitely not budgeted and ultimately the cost was passed down to (guess who) the homeowner.

The reason for the sudden and large increase can be narrowed down to a couple concerns. The first being hurricanes and the second is flooding. Just over a year ago, Hurricane Ian caused $114 Billion in damages according to NOAA. Making it the most expensive storm to ever hit Florida.

Hail Damaged Roof | Homeowners insurance policy covered roof leaks and damage

Much of the damage caused by hurricanes comes in the form of flood damage. Which is actually not covered by private insurers but by the National Flood Insurance Program, a federal agency.

But wind damage to homes and roofs are covered under homeowners’ insurance policies.

And that brings your roof to the forefront of the conversation and is ultimately a big factor for your increased insurance expenses. Most homeowners insurance policies cover roof leaks and water intrusion resulting from covered perils such as afternoon Florida storms.

In Central Florida, we seldom have winds strong enough to damage your roof, but we often experience hail which is a contributing factor to roof leaks and covered by most insurance policies.

As a roofing services provider, we have weather tools that show us exactly where it may have hailed, as well as wind speeds related to storms. We use those tools to access our clients roofs for potential roof damage. We provide that information to the homeowner to be shared with their insurance company for an insurance claim.

Besides the reports showing hail, there are tell tail signs that your roof has been damaged by hail, and/or wind. The hail creates divots on the shingle illustrated by circular spots of missing granules.

Now I am not suggesting that you make unnecessary insurance claims to have your roof replaced, that is part of what put Florida in the current situation. What I am suggesting is that you are paying a considerable amount of money for homeowners’ insurance, primarily related to your roof, and if you do have legitimate damage you should definitely utilize that financial tool.

Ignoring a damaged roof will ultimately reduce the roofs lifespan and lead to a major expense far earlier than would otherwise be expected.

Hail Damage

We always recommend using a professional licensed roofing contractor, don’t skimp on this step, it is vitally important. Verify their roofing license and request their liability insurance information, call the insurer to verify the policy is active.

Getting at least 3 quotes to ensure you are getting the best price is an important step, it takes a little longer but can save you thousands of dollars.

G & A Certified South Roofing is proud to not only have all the required licenses and insurance, but we take the extra step of employing our roofers rather than using subcontractors to do our work for us. You will find our pricing to be extremely competitive with equal or higher quality roofing materials.

It is our goal to ensure that you have the best possible experience with the least glamourous expense of replacing your roof. We put you and your home first every time.

For a free estimate from G & A Certified South Roofing, fill up the form below. 

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