Is windstorm insurance required in Florida?

Florida does not mandate windstorm insurance, but many homeowners in coastal and high-risk areas must have it as a condition of their mortgage, especially if they’re located in designated windstorm-prone regions.

Is windstorm insurance the same as hurricane insurance?

Windstorm is a type of peril or event typically covered by homeowners’ and property insurance policies. Hurricanes are included in windstorm coverage, but typically have their own deductibles.

How is windstorm insurance different from flood insurance?

Windstorm insurance explicitly covers damages caused by wind-related events, while flood insurance covers damages caused by flooding from heavy rainfall, storm surges, and overflowing bodies of water. These are separate coverages and may require separate policies.