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Home Insurance 7:15
Hurricane Season Insurance Checklist for Florida Homeowners
Before the next storm hits: review your dwelling coverage, document your belongings, understand your hurricane deductible, and know how to file a claim fast.
Key Takeaways
- Hurricane deductibles in Florida are typically 2–5% of your dwelling coverage — not a flat dollar amount.
- Document your belongings with photos or video before storm season — store backups off-site.
- File claims promptly — Florida law gives insurers 90 days to pay or deny after you submit proof of loss.
- Temporary living expenses (ALE) coverage pays for hotel and meals if your home is uninhabitable.
HurricaneHome InsuranceFloridaClaimsChecklist
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