It’s estimated that Hurricane Irma brought wind gusts of 90 miles per hour or greater across Florida. Even if your business didn’t suffer water damage, it’s extremely possible that the wind caused problems you expected your insurance company to handle. In coastal states, wind damage isn’t always covered by your general insurance policy. You need a separate wind insurance policy from Florida wind insurance companies to mitigate your loss following a named storm.
Review Your Insurance Policy to Know What Is Covered
Annually, you should go over your insurance policies with your insurance company to know what is covered and what is excluded. Wind insurance can include two kinds of protection. The first is against named storms, such as Irma or Maria. You can also get protection against wind or hail damage from general storms.
Water damage is often thought to be caused only by floods, but in some cases it’s the wind that allows water into your business. You might have water damage caused by a damaged roof, not because of a flood. This type of damage would generally be covered by wind insurance instead of your flood policy. Florida wind insurance companies can discuss the different types of policies with you to give you the information you need to make an informed decision about your insurance coverage.