What no one tells you about protecting your home (and your wallet) during hurricane season in Florida

The problem isn’t just the hurricane.

It’s what comes after.

The damage.

The insurance you thought you had — that doesn’t cover what you actually needed.

Every year, it’s the same story:

News alerts everywhere.

Empty shelves at grocery stores.

Windows taped up.

People fleeing to other states.

And in the middle of it all… thousands of immigrants in Florida unsure if they’re truly protected.

Worse yet?

They think they are.

What people are searching (and what you need to know)

• “Does home insurance cover hurricanes in Florida?”

• “How does a hurricane deductible work?”

• “What can make my hurricane claim get denied?”

• “Can I get insurance last minute before a storm?”

• “How do I protect my home before a hurricane?”

If you’ve ever Googled any of these — this guide is for you.

Real case: Yara’s neighbor lost her roof… and her claim was denied

Yara, from the 2Easy team, shared this story with us:

“The hurricane hit hard near my mom’s neighborhood. Her neighbor lost part of her roof.

But the insurance company denied the claim — they said it was due to ‘lack of maintenance.’”

Shocking? Yes.

But in Florida — this happens all the time.

Insurance companies are becoming more and more strict.

If you don’t have documentation, photos, or basic home care in place, your claim can be rejected.

How does hurricane insurance work in Florida?

Many people believe all homeowners insurance automatically covers hurricanes.

That’s not true.

In Florida, most policies require a separate Windstorm or Hurricane endorsement to cover damage from strong winds.

And even with that coverage, there are three things you must understand:

1. Hurricane Deductible

Hurricane claims come with a percentage-based deductible (not a flat dollar amount).

Example:

If your home is worth $300,000 and your hurricane deductible is 2%,

you’ll have to cover the first $6,000 of damage out of pocket.

2. Claims require documentation

Insurance companies will ask for:

• Photos of your home before and after the storm

• Written reports

• Proof that damage was caused by the hurricane

3. You can’t buy insurance at the last minute

As soon as a hurricane is named and enters Florida’s projected path,

insurance companies stop issuing new policies or changes.

So if you wait too long… you’re out of options.

Checklist: How to make sure your hurricane claim gets accepted

This is where most people get frustrated.

Here’s a practical checklist to help you prepare — feel free to save it or turn it into a printable PDF:

1. Take photos & videos of your property now

Before the storm season starts, document:

• Roof condition

• Exterior walls & windows

• Interior (furniture, appliances, floors)

Save these in the cloud.

2. Keep a copy of your policy and contact info handy

Store your policy number and your insurer’s phone/email —

or save 2Easy’s contact if you’re our client 

3. Do basic home maintenance

• Clean gutters and drains

• Inspect roof, doors, and windows

• Install storm protection if possible

• Remove loose items from your yard

If your insurer claims “lack of maintenance” and you can’t prove otherwise, you pay the price.

4. Document everything after the storm

Once it’s safe, take new photos of the damage.

If possible, get a licensed contractor (roofer, plumber, etc.) to write a report.

Common reasons why hurricane claims get denied

• No windstorm/hurricane coverage

• Damage doesn’t exceed the deductible

• Old or poorly maintained roof

• No clear proof of storm-related damage

• Insurance bought too close to the storm

• High volume of claims — insurers become more selective

Eye-opening stats

• In 2022, Florida accounted for 80% of all home insurance lawsuits in the U.S. 

• The average hurricane damage claim exceeds $30,000

• Many homeowners only learn about hurricane deductibles after their roof is gone

How 2Easy truly helps

At 2Easy, we’re not just here to sell you a policy and disappear.

We educate, guide, and support you before, during, and after you buy your coverage.

We will:

Review your current policy

Check if hurricane coverage is included

Help you choose the right deductible

Assist you in filing a complete, documented claim if damage happens

That’s why thousands of immigrants trust 2Easy in Florida.

Final thought: the hurricane might pass — but the damage could stay

You can’t stop the storm.

But you can decide whether it takes just your roof… or your financial peace too.

Don’t wait for the red alert.

Call 2Easy now at (321) 344-1199

Let us help you make sure your insurance is ready before the next storm hits.

FAQ – Hurricane Insurance in Florida

1. Does my homeowners policy automatically cover hurricanes?

No. You need to check for a windstorm/hurricane endorsement and review your deductible.

1. Can I get insurance when a hurricane is approaching?

No. Insurers freeze new policies once a hurricane enters Florida’s “watch zone.”

1. Will my claim be paid if the damage is small?

Only if the damage exceeds your deductible.

If your deductible is $5,000 and damage is $3,000, you’ll pay everything yourself.

We are here to help you! Give us a call so we can check if you have the right coverage for your home, no strings attached.

See you next time

Authored by 2Easy Insurance by WMB Digital Marketing