HURRICANE &WIND INSURANCE
WIND IS EXCLUDED FROM MOST FLORIDA PROPERTY POLICIES — WITHOUT IT, THE BIGGEST PERIL IS UNINSURED.
MOST FLORIDA PROPERTY POLICIES EXCLUDE THE STATE'S BIGGEST PERIL.
Standard property carriers exclude wind in Florida because hurricane losses can exceed their capacity. The association must obtain wind coverage separately — through Citizens or a private alternative, a surplus lines wind carrier, or a specialty market offering combined property-wind policies. Without wind coverage, every dollar of hurricane damage comes from the association's reserves — and if reserves are insufficient, from every unit owner through special assessment.
Wind mitigation features directly reduce premiums. Impact windows, reinforced roof connections, hip roofs, secondary water barriers, and hurricane shutters all qualify for credits documented through a wind mitigation inspection. Kelly Insurance Group coordinates the mitigation inspection with the wind placement to maximize credits for coastal high-rises and inland communities alike.
HURRICANE & WIND — ANSWERED.
WHY IS WIND EXCLUDED FROM MOST FLORIDA POLICIES?
Catastrophic hurricane loss potential exceeds what most admitted carriers absorb. Wind must be obtained separately through Citizens, private wind carriers, or specialty combined policies.
WHAT IS A NAMED STORM DEDUCTIBLE?
A separate higher deductible for named storms, expressed as a percentage of total insured value — commonly 2-5%. On a $20M building, 5% = $1M deductible.
WIND-ONLY VS ALL-PERILS INCLUDING WIND?
Wind-only covers only windstorm. All-perils-including-wind combines everything in one policy, simplifying claims with no wind-vs-other dispute. Availability depends on carrier and risk profile.
HOW DO MITIGATION FEATURES AFFECT PREMIUMS?
Impact windows, reinforced roof connections, hip roofs, secondary water barriers, and shutters qualify for credits. Wind mitigation inspection documents features. Strong mitigation = significant savings.
WHAT IF THERE'S NO WIND COVERAGE DURING A HURRICANE?
Association absorbs full cost from reserves. If insufficient, special assessment against all owners. A single major hurricane can exceed total insured value. No wind = no insurance response for the biggest peril.
CAN WIND AND FLOOD BE COMBINED?
Typically separate policies. Some specialty carriers offer combined programs. We evaluate whether separate or combined produces the best coverage and pricing for each building.
COVER THE PERIL THAT DEFINES FLORIDA INSURANCE.
Kelly Insurance Group places Florida wind through every available market — Citizens, private wind, surplus lines, and combined specialty programs. Since 1881.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.