Does My Standard Florida Homeowners Policy Cover All Hurricane Damage to My West Palm Beach Property?

Generally, no. Under Florida law, hurricane coverage is typically included within your standard homeowners policy but is subject to a specific hurricane deductible, which differs from your standard deductible. Flood damage from storm surge or overflowing waterways requires a separate flood insurance policy, typically through the National Flood Insurance Program (NFIP). Wind-driven rain entering through a storm-damaged opening may be covered, but water intrusion through other means may not be. Carefully reviewing your specific policy terms is critical before filing a claim.