Schrier Law Group logo
Our Law Firm is
Celebrating 36 Years!
Spain Flag
Russia Flag
Creole Flag
Call Us For A Free Evaluation

How to Know if Your Homeowners Insurance Covers Hurricane Damage


hurricane damage that is not covered by homeowners insurance in florida

Homeowners’ insurance typically covers hurricane damage caused by wind and rain. However, where you live and the policies you carry determines what deductibles apply. 

Your insurance policy is a contract. Frequently, insurers use ambiguous language to deny coverage and to avoid or decrease claims payouts. Our homeowner’s insurance claims lawyers will help you sift through the confusing language used in all homeowners insurance policies. 

If you have questions about your homeowners’ insurance coverage, contact an experienced homeowners insurance claims attorney at Schrier Law Group today for your free case review.  

Listed below are a few tips to help you determine if your home is ready for hurricane season in Florida.

Does Home Insurance Cover Hurricane Damage in Florida?

Most homeowners insurance covers your home in the event it is damaged from hurricane winds. However, storm surges and flood damage, after a hurricane, may not be covered by your homeowner’s insurance policy. 

What is a Deductible? 

A deductible is the amount that you pay before your insurer reimburses you for the remainder of a loss. A hurricane deductible is usually a percentage of the total amount of home insurance coverage. For example, a 3% hurricane deductible, on a $100,000.00 policy, would mean that you need to pay $3,000 before your insurer covers the rest of your damages. 

If you are unsure where to find your insurance deductible information, look on your policy’s declaration page or contact a homeowner’s insurance claims attorney at Schrier Law Group to discuss the actual coverage that you have paid for. 

Types of Homeowner Insurance Coverage in Florida

Hurricane season occurs between June and November in Florida. You can prevent unnecessary stress by ensuring that your policy has the optimal amount of protection for your home’s hurricane risk. 

What is Dwelling Coverage? 

Dwelling coverage covers all the parts of your home. That includes the structure of your home, your roof, and your built-in appliances. Your dwelling coverage limit should amount to the total cost of rebuilding your home. Many homeowner’s insurance professionals recommend extended or guaranteed replacement cost coverage, for higher coverage limits.

What is Personal Property Coverage? 

Personal property coverage covers all the property you own, that is not physically attached to your house. This may include your clothing, jewelry, furniture, appliances, and more. Make sure that all of your belongings are insured at their replacement cost just in case they’re destroyed in a hurricane. 

Depending on where you live, it can be beneficial to get additional loss of use coverage. This coverage can help you support yourself while your home is being rebuilt in the wake of a tropical storm. 

What Additional Insurance Coverage Should I Consider? 

Unfortunately, standard homeowner’s insurance policies don’t cover everything. In many cases, there are massive gaps in coverage that could leave you and your family in a difficult situation in the event of a hurricane. 

Coverage gaps can be scary. Insurers often rely on them to avoid paying out claims. The following types of insurance can fill in those gaps in coverage:

  • Debris removal coverage covers the costs associated with removing fallen trees or power lines after a hurricane. 
  • Flood insurance insures your home against most types of flood damage. According to the Insurance Information Institute, 90% of natural disasters include some form of flooding.
  • Water backup insurance protects your house or belongings if your sewage water becomes backed up into your home through your plumbing.
  • Windstorm insurance might not be included in your policy if you’re in a high-risk state like Florida. You may require separate windstorm coverage to protect your home from wind damage. 

What Are the Benefits of Working with a Homeowner Insurance Claims Lawyer?

Florida insurance laws can be complicated. That’s why we recommend working with an experienced homeowner’s insurance claims lawyer. A homeowner’s insurance claims attorney can be helpful in the following situations:

  • You and your insurance company disagree on compensation amounts 
  • It’s an expensive or complicated claim 
  • Your claim or coverage is denied
  • The insurance company is taking too long to respond to your claim
  • Lowball payouts

Negotiating with insurance adjusters is not an easy task. In most cases, it involves extensive paperwork, follow-up, knowledge of Florida’s homeowner’s insurance laws, and a lot of energy. 

A lawyer is not required for every homeowner’s insurance claim. However, if a dispute arises, it’s almost always a good idea to at least consult with a lawyer. 

Contact an Experienced Florida Homeowners Insurance Claims Lawyer Today

If you’re battling with your homeowners’ insurance company, you don’t have to do it alone. We can help. Our homeowners’ insurance attorneys at Schrier Law Group are prepared to fight for the maximum compensation for your claims. Call 1-800-700-Paul today to schedule your free case analysis.

Read Our Reviews

Schrier Law Group is rated 5 out of 5.0 stars based on 22 review(s).


My name is David and I’ve been represented by mr. Schrier law firm twice in my life and I got nothing more then good things to say about them they are very professional and they really Take their clients I really recommend them every time I called them they were always there for me especially the attorney he’s very professional and he got me the money did I deserve by representing me and fighting for me I will use their services again them no questions asked if I ever need them to me they are the best God bless them all

David Cuello


The firm is super professional and handled my husbands vas amazingly. I should refer them to some in need of an attitude.

Isabel Sabrina De Ramirez


The Schrier Law Group are hands down the best and should be your go to for all your legal troubles. They are such professionals; efficient, persistent and don’t take no for an answer. Thank you so much Chatriece, Geissie, Paul & everyone at Schrier Law Group for your patience and making my win possible!

Marika Ford


Shrier Law Group extremely thorough. A really caring Law Firm. My previous lawyer sat on my case for 2 years did nothing with it by chance came across Mr Paul schreier firm and explaining my case he noticed I was not hopeful but he was able to encoirage me and was able to resolve my case within a year I'm so grateful for Mr Paul Schrier and Mrs Chatrice. They go above and beyond. 20⭐

West Jean


I must say that Mr. Schrier was there when we needed immediate advice after my wife got rear-ended by an unlicensed speeding lunatic. We called a handful of attorneys in our area, but after waiting 2- 5 days they would drop her case. We found Mr Schrier online and he explained the pros/cons and he took the case. We waited patiently, and in time he was able to tracked down the actual owners of the car and get their auto insurance info!

Gerard Avalos


The firm pays close attention to locating every possible insurer liable for my injuries. They return my calls in 24-48 hours. Friendly staff who care.

Mr K


Attention to detail with the different insurance coverages. Returned my phone calls, which is very important.

David Kuczenski


Was a wonderful experience getting through a tough process!

Edward Pawley


Both my wife and I feel grateful for the treatment and the professionalism of the staff. Maritza is great doing her job. It is the second time that I request your services and we are pleased and grateful. Many blessings to this Law Firm

Reynier Perez


Awesome wonderful patient Intelligent thoughtful Paul is the best

Theresa Caprice Caprioli


Thank you so much for going above and beyond what I had ever anticipated. It was truly a pleasure to work with you all, especially Chatrice. I will most definitely refer The Schrier Law Group to my family and friends.

Cat Breen


The Schrier LG is an excellent firm! They accepted my case, provided me with all the procedural information, maintained a high level of professionalism while showing kindness and care. The doctor's office that they suggested is another group of kind and considerate individuals, dedicated to my full recovery. I would recommend the Schrier Group to friends, just as they were recommended to me. I am happy with my settlement and very pleased with the attention and diligence of the group as a whole. Thank you again!

Michaela Davis


Mr. Paul Schrier is by far the best attorney for the job! He is very responsive, knowledgeable, and very efficient. Despite my very busy schedule, he kept me informed throughout the process. I am very please with the outcome of my case. The customer service I received from the entire team has been amazing! Thank you all so much!

Ms. Jean


Not only did I get a phenomenal attorney to represent me in my case, but I also got a step by step education on how the legal process actually worked. I was encouraged to ask questions and be an informed client. I was never treated like a case. I truly felt like the advice and recommendations he gave to me would have been the same he would have pursued if he were the client. That was important to me. I needed to work with an attorney I could trust with my best interest in mind...and that is what I got with Paul Schrier.

Juan Rodriquez


I was involved in an auto accident in January 2016. We decided to contact Paul K. Schrier, PLLC for legal advice. He never got annoyed with me calling to ask questions, which was quite often. We have finally reached the final stages of this case, which they handled very well, and have come to a settlement. I highly recommend the Florida personal injury attorneys at The Law Offices of Paul K. Schrier, PLLC, especially Paul K. Schrier to any one who needs a personal injury attorney. Thank you very much Paul for everything you have done do me.

Martin Tyler


I called to ask some question about a car accident I was in. I spoke to Paul who was very helpful, honest and professional. It seems that he really care about clients. I appreciate all that Paul did and would certainly recommend to anyone who needs an attorney.

Mark Anderson


Best attorney around , I went through a lot of different ones before finding his law firm very professional and they make sure you get paid what you deserve, highly recommend.

Braulio Duran


Thank Paul for everything your personal injury law firm has done for my case as well as my daughter. Thanks for all the hard work and attention. Thanks again!

Maria Jaz


This is one of the best law office in Miami come in and check them out great people

Rowdy Martinez


Best attorney in South Florida

Fefe Alex


Schrier Law Group is the best.

Chatrice Telfort


Great job! I loved working with Paul.