Citizens Insurance Laws for Hurricane Coverage in Florida
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Citizens Insurance Florida for Hurricane Coverage

The storm is one of the most catastrophic natural disasters anywhere in the world. However, hurricanes occur frequently and regularly every year in some places, such as Florida. Besides its catastrophic consequences to homeowners, the disaster forces insurance companies to provide an enormous amount of payout. To some extent, insurance companies may avoid providing coverage at all. Still, Citizens Insurance Florida, as a non-profit state-owned corporation, helps to create laws to protect homeowners and make sure everyone gets fair access to insurers in the state.
Coverage for Hurricane
By law, all property insurance companies providing coverage for homeowners must give financial protection against windstorm damage caused by a hurricane. In other states, some natural disasters are excluded from homeowners insurance, meaning you need to purchase it separately. In Florida, Citizens Insurance and the state’s government apparently make it mandatory for every insurer to provide a price for windstorm coverage. The protection will include all damages caused by a hurricane from the exterior to the interior. Hurricane coverage must also include damages caused by rain, snow, and dust.
Discount
Although hurricane coverage has always been an expensive issue in Florida, insurance companies and state-owned Citizens Insurance offer some good discounts as well. If homeowners install wind-resistant features, they are eligible for discounts. The second law is that all insurance companies must notify or inform policyholders about the discount. There are many diverse types or models of construction that give a wind-resistant advantage, and the maximum discount can reach up to a 42% reduction from the actual cost.
Deductible
While insurers are required to include hurricane protection in homeowner insurance, it is possible to set a different deductible for that particular disaster. The amount of deductible is set by law as follows:
- For a house worth up to $100,000, the maximum deductible is 2% of the home’s value
- For a house worth between $100,000 and $500,000, the maximum deductible is 5% of the home’s value
- For a house worth more than $500,000, the maximum deductible is not limited
Citizens Insurance Florida
Officially called Citizens Property Insurance Corporation, this state-owned organization helps residents of Florida to get easy access to homeowners insurance regardless of how open your house is to a hurricane. Although the laws and regulations are strict enough to keep fair access, some private insurers may avoid providing coverage at all, depending on your circumstances.
Those who cannot acquire hurricane coverage via the traditional market are allowed to apply for insurance from the organization. However, the price for the coverage set by Citizens Florida Insurance is probably higher than normal; the main purpose is to keep a healthy professional competition between private companies in the market.
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