Windstorm Insurance in Miami, FL
Heavy winds can be dangerous for your property, potentially inflicting devastating damage as gales and gusts propel objects and debris against the roof and walls of your home. Given Miami’s proximity to the Atlantic Ocean and Gulf of Mexico, as well as the subsequent risk of severe tropical storms and hurricanes, accounting for windstorms within insurance policies should be a top priority.
What Is Windstorm Insurance? 
Windstorm insurance lives up to its name by potentially providing critical financial protection against hurricanes, thunderstorms, cyclones and other wind-related incidents. In areas at high risk of severe weather, windstorms may be expressly excluded from many standard policies, such as homeowners and renters insurance. Responsible policyholders should ensure they augment their coverage by securing an endorsement or separate policy capable of addressing wind-related losses.
How Much Does Windstorm Insurance Cost?
Like many types of insurance, the cost of windstorm coverage may vary significantly depending on your unique circumstances. When assessing risk levels and quoting you a rate for suitable insurance, carriers may consider the following criteria:
- Location
- Structural details (e.g., age of building and construction materials used)
- Value of insured contents
- Estimated cost of a complete rebuild
- Coverage limits
- Past claims
- Deductible
It’s worth noting that even if windstorms are included in a homeowners insurance policy, windstorms may carry a separate deductible.
Do I Need Windstorm Coverage?
Because windstorms may be excluded from standard insurance policies, those wanting to ensure comprehensive coverage for their property should strongly consider exploring their options. In many cases, homeowners may be required to carry windstorm insurance if they’ve purchased their homes with the help of a mortgage lender.
We’re Here to Help
Since 1993, the dedicated team at Miami International Insurance Agency has proudly worked with our community to help procure ideal coverage solutions. Contact us today to get a quote for windstorm insurance.