3 Repairs Your Homeowner’s Insurance Doesn’t Cover

Many individuals assume that all damage to their property is covered under homeowner’s insurance. However, such insurance doesn’t protect you from natural disasters such as hurricanes. Here are three examples of why you need wind insurance in Florida to fully protect your home.

1. Roof Repair

If strong winds blow shingles off your roof or destroy your roof completely, wind insurance covers the cost of repair and replacement. Your homeowner’s insurance may or may not cover damage to your personal belongings, so wind insurance helps buffer the costs.

2. Detached Structures

If your shed gets demolished or your swimming pool collapses as a result of a wind storm, homeowner’s insurance may cover the cost of your personal effects, but it does not provide funding to replace or repair the structures. Wind insurance covers not only your home but all detached structures on your property.

3. Broken Windows

Homeowner’s insurance can cover the cost of broken windows due to burglaries and accidents, but windows that are destroyed during a wind storm require separate insurance. Property damage that results from subsequent flooding or theft may fall under your homeowner’s policy, but your wind damage insurance can reimburse you for the window replacement fees.

Don’t let hurricane season send your finances into a whirlwind. Get your wind insurance in Florida as soon as possible to protect your home and your pocketbook.

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Insurance Risk Advisors