As we approach another hurricane season in Central Florida, Orlando homeowners must take proactive steps to protect their most valuable investment. The 2024 season reminded us that preparation is key, and having the right insurance coverage is your first line of defense.
Understanding Florida's Unique Insurance Requirements
Florida's insurance landscape is unlike anywhere else in the country. Standard homeowners insurance doesn't cover flood damage, and windstorm coverage has specific requirements that vary by county. In Orange County, where Orlando is located, understanding these nuances can save you thousands when disaster strikes.
Did You Know?
Orange County has specific windstorm deductible requirements that can range from 2% to 10% of your dwelling coverage limit. This could mean thousands of dollars out of pocket before insurance kicks in.
Essential Coverage Types for Hurricane Protection
1. Windstorm/Hurricane Coverage
This coverage protects against wind damage from hurricanes and tropical storms. In Florida, this is often subject to a separate deductible, typically 2-10% of your dwelling coverage limit.
2. Flood Insurance
Flood insurance is a separate policy that must be purchased through the National Flood Insurance Program (NFIP) or private insurers. Even if you're not in a high-risk flood zone, Orlando's summer storms can cause significant flooding.
3. Additional Living Expenses (ALE)
If your home becomes uninhabitable due to hurricane damage, ALE coverage pays for temporary housing, meals, and other necessary expenses while repairs are made.
Pre-Season Action Checklist
- ✓ Review your current policy limits and deductibles
- ✓ Document your belongings with photos and videos
- ✓ Consider flood insurance (30-day waiting period)
- ✓ Understand your windstorm deductible
- ✓ Create a family emergency plan
"The best time to review your hurricane coverage is before the season starts. Once a storm is named and heading our way, it's too late to make changes."
Additional Hurricane Preparation Tips
Beyond insurance, there are practical steps every Orlando homeowner should take:
Document Everything
Create a detailed inventory of your possessions. Take photos or videos of each room, focusing on valuable items. Store this documentation in the cloud or off-site.
Know Your Evacuation Zone
Orange County has designated evacuation zones. Know which zone you're in and have a plan for where you'll go if evacuation becomes necessary.
Strengthen Your Home
Consider hurricane shutters, impact-resistant windows, and roof reinforcement. Many of these improvements can actually lower your insurance premiums.
Don't Wait Until It's Too Late
Hurricane season starts June 1st, and most insurance changes require 30 days notice. Contact us today for a free policy review.