Does renters insurance cover hurricane damage in Florida?

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John Raoux/AP/Shutterstock / John Raoux/AP/Shutterstock

With Hurricane Ian still rolling through Florida, many renters may be wondering if their insurance covers hurricane damage, including storm surge, flooding, and wind damage. The answer is: it depends.

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First, if you rent your home and don’t have tenant insurance, you won’t be covered for things you’ve lost, such as furniture, clothing and electronics, law firms say. from Anidjar & Levine. Your landlord may have homeowners coverage, but that will only cover the building or home.

Now, if you have renter’s insurance, it usually only covers the contents of the rental apartment or house, but it does not cover damage to the building or your vehicles.

“Think of your rental apartment or house as a box. Renters insurance only covers what is inside the box. This cover does not protect the box itself or things outside the box. Depending on your insurer, your tenant insurance may provide a limited amount for medical expenses, but this type of benefit is not the norm,” according to the law firms of Anidjar & Levine.

Renters insurance typically provides coverage for the following types of hurricane damage, also known as covered perils: fire and lightning, non-flood related water damage, falling objects, wind and hail, according to The Law Place. .

Indeed, another important point is that the tenant’s insurance does not cover flooding – you will need to take out separate insurance to cover this damage. Another caveat: There’s a 30-day waiting period after it’s set up, according to WTSP-Tampa Bay.

“If you live in a high-risk area, the Florida Office of Insurance Regulation advises that you purchase an additional policy so that you are covered in the event of a storm surge or flash flood. Although this will increase your insurance costs , it will likely save you money in the long run,” according to The Law Place.

Finally, another key point is that under Florida law, “enforcement of hurricane deductibles is triggered by storm losses resulting solely from a hurricane declared by the National Weather Service,” according to Insurance. Information Institute.

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“This means that any damage to your property or belongings caused by a tropical storm will not be covered by your landlord’s or renter’s insurance policy,” according to The Law Place.

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