A Florida home needs wind coverage, a hurricane deductible you can afford and a separate flood policy. We are an independent agency in Pompano Beach. We shop 15+ carriers, claim every wind mitigation credit and review your Citizens options for free.
Coverage terms, limits, and exclusions vary by carrier and policy form. We walk you through exactly what is and isn’t covered before you bind — no fine-print surprises.
Florida law requires your insurer to offer these hurricane deductible options before it issues your policy.
| Option | On a $400,000 dwelling limit, you pay first |
|---|---|
| $500 | $500 |
| 2% | $8,000 |
| 5% | $20,000 |
| 10% | $40,000 |
A higher deductible lowers your premium. Pick the amount you could pay after a storm. Some higher-value homes and some carriers have other rules. Source: F.S. 627.701.
| Loss | What you need |
|---|---|
| Flood, storm surge or rising water | Flood insurance, bought at least 30 days ahead for NFIP |
| Liability above your policy limit | Umbrella insurance |
| Jewelry, art and collectibles above sub-limits | A scheduled valuables endorsement |
Send what you have to hello@byamericainsurance.com or request a quote.
Wind is generally covered, subject to a separate hurricane deductible, commonly 2% to 5% of your dwelling limit. Flooding from storm surge or rising water is not covered and needs a flood policy.
Do not ignore it. If a private offer is within 20% of your Citizens renewal premium, you lose Citizens eligibility. If you do nothing, you can be assigned to the lowest bidder. Call us before your deadline and we compare the offer for you.
Many Florida carriers require an inspection past 10 to 15 years and may offer only actual cash value on an older roof. A recent roof can meaningfully reduce premium.
An inspection documenting features like roof attachment, shutters and opening protection. It commonly produces credits that pay for the inspection many times over.
Tell us a little about what you’re protecting. We’ll come back with options and real pricing — no obligation.
