Hurricane Insurance Tips for Miami Residents 

Standard homeowners insurance policies typically cover wind damage from hurricanes. Insurers may also offer a hurricane deductible, calculated as a percentage of your home’s insured value and typically higher than your standard deductible. This deductible applies specifically when a named storm receives an official hurricane designation from the National Hurricane Center.

Damage caused by floods or storm surges is excluded. You will need a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private insurer.

What Can I Do If a Hurricane Damages My Home?

If your home is damaged, consider doing the following:

• Document all damage with photos and video before making any repairs.
• Make temporary repairs to prevent further loss and save all receipts.
• Contact your insurance carrier promptly to file a claim. Waiting too long may complicate your claim.
• Keep a record of every conversation with your insurer, including dates and names.

Tips to Stay Covered During Hurricane Season

The following reminders can help you stay covered during a hurricane:

• Review your policy before the official start of the hurricane season.
• Confirm your coverage limits reflect the current rebuilding cost of your home.
• Consider purchasing a separate flood policy if you live in a high-risk area.
• Purchase a wind-only policy if your insurance excludes wind damage.

Why Should You Work with Delia Izquierdo Insurance Agency?

As a local agency, we understand the risks that residents in Miami, FL face during the hurricane season. We can help you assess your current coverage, review what’s included and excluded, and recommend endorsements or policies that could offer well-rounded financial protection.

Contact our team today for a policy review or personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.