What about Florida Hurricane Insurance Coverage? Cape Coral

Florida Statute 627.0629 requires that property insurance include hurricane coverage, both residential and commercial. The coverage includes damage that occurs during a windstorm in a hurricane, such as sleet, hail, rain, sand, dust or snow that damages the inside of a building.

Legal Definitions

The Florida Statutes define “windstorm” as hurricane-caused wind, gusts, rain, cyclones, tornadoes or hail that causes property damage. They define “hurricane” as a storm that the National Weather Service labels as a hurricane.

Insurance Discounts:

Can be check for and certified by requesting a Wind Mitigation or 4 point inspections, while you are having the home inspected.  A good home inspector will know if you would be able to pass this inspection,  for he has already done what would be asked for when the home inspection was being done. Most homes recently built have included the latest building codes that will help pass this inspection. What the home inspector needs to do is added paperwork that you going to need for the insurance company for the discount.  The insurers, looks for key features of the  home that show that it will be less likely to be harmed or having catastrophically damaged during a hurricane or strong wind storm..

What is the 4 point inspection? (Wind Mitigation)

Basically looks for key features of your home that show that it will be less likely to be harmed or catastrophically damaged during a hurricane or strong wind storm.

 A “Four Point Inspection” focuses only on four main areas of interest in a home:

  1. HVAC (Heating, Ventilation and Air Conditioning)
  2. Electrical wiring and panels
  3. Plumbing connections and fixtures
  4. Roof


  • You should obtain your insurance during your home inspection period. It would be needed if you are financing your home.
  • Insurance companies would not issue insurance when a storm is approaching.   
  • A lower deductible is going to cost more.
  • Never accept your adjuster’s first offer.
  • Shop around. Insurers will compete for your money.

Your insurance agent needs extensive information from you to quote you the best rate for your policy. To determine insurability, an agent will ask:

  •             When was the home-built?
  •             How old is the plumbing and electrical?
  •             What type of roof?
  •             What’s the square footage?
  •             How many claims have been filed over the past 5 years?
  •           Where is the home located?

So how much would a 2500 Sq. ft. house built-in 2005, with 4 bedroom, 3 full bath, 2 car garage cost for full replacement cost on dwelling &personal property ? A Wind Mitigation inspections is requested, the premiums may be lowered  based upon inspection results.  A higher deductibility will make the cost lower too.

By shopping around, and using the services like the National Insurances Solutions,  Get your Home and Flood Insurance here, you are assured you dealing with creditable companies and getting the best rates, giving the price ranges on the same property address, of  $ 1485.00 /year up to $ 2301.78 by different insurers.  All this is subject to change, property depending, location and elevation of a specific property.   

These  Sample quotes were quoted based on the following criteria:

  • All Quotes include full replacement cost on dwelling &personal property unless otherwise specified.
  • A Wind Mitigation inspections, which could lower the premiums based upon the inspection results.

 Thanks for taking the time to view my post, please feel free to leave your comments, drop me your comments via email or in need of a good Insurance agent.

Ron Wolchesky (alias Realtor Ron W)
Short Sales and Foreclosure Resource Certified Realtor®

Remember: “Pictures without the information is never the whole and true story ~!” Realtor Ron W ..Picture being shown, are used to advertise and draw your interest. The rest, the information, will help you decide. Where that information comes from is IMPORTANT to you. When you view the property and have the inspection, everything will fall into place”.

Sign up to look at properties information like Realtors do!

You can Reach Realtor Ron W via email: rwolchesky@advantarealty.com

Cell: 239-209-1923: H: 239-349-4684

Or   Sign up to look at properties information like Realtors


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