Is Your Florida Home Really Covered This Hurricane Season?

✍️ By Joel Goldman | WBN News USA |July 18, 2025 |

Hurricane season in Florida isn’t just a weather concern—it’s a financial risk. Many homeowners assume standard insurance covers hurricane damage, but flood and windstorm damage are often excluded or capped. FEMA warns even one inch of floodwater can cause $25,000+ in damage—yet most policies don’t include flood insurance unless purchased separately.

Common Policy Gaps

· No Flood Insurance: Essential even outside FEMA zones.

· Limited Windstorm Coverage: Some policies exclude or limit wind damage, especially near the coast.

· Outdated Dwelling Coverage: Rising construction costs mean many policies won’t cover full rebuilding.

· High Hurricane Deductibles: Often a percentage of your home’s value—adding up to thousands.

· Missing Loss-of-Use Coverage: Without it, temporary housing costs could fall entirely on you.

· Detached Structures Unprotected: Sheds, garages, and fences may not be included.

Why 2025 Is Critical
This year, insurance carriers are tightening eligibility, raising rates, and in some cases leaving high-risk Florida markets altogether. Once hurricane season peaks, options for updating coverage narrow drastically. Don’t assume you’re safe just because you renewed last year—rising property values and stricter underwriting mean you could be underinsured today.

Steps to Take Now

· Review your insurance policy line by line

· Confirm flood and windstorm coverage

· Update your home’s replacement cost estimate

· Explore umbrella liability protection for extreme weather

· Seek professional advice if you’re unsure

You still have time to update your coverage before the storms arrive—but the window is closing fast.

Joel Goldman | Insurance and Financing Advisor

At Starisks Insurance, Joel helps individuals and business owners navigate risk with tailored commercial, personal, and specialty coverage. Through HMMB Funder LLC, he provides fast, flexible hard money loans to fund real estate deals, renovations, and investment opportunities.

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