Finding wind insurance in Florida has become more challenging because of the burden of storm-related losses to insurers. In the first half of 2016 alone, catastrophes striking the United States caused $13.5 billion in insured property losses, the Insurance Services Office reported in October. Because of the threat of hurricanes, only about 40 Florida home insurance companies still write new policies in Florida, and that number is even smaller near the coast.
When your property is damaged during a wind storm, you need to file a claim with your insurance company as soon as possible in order to expedite the repairs. Here are a few things that Florida wind insurance companies suggest you do before filing your claim.