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Hurricane Coverage

Don't take the risk. Get protected now.

Hurricane Season 2022 Has Arrived. Are You Protected?

Find out your risk and get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as homeowners insurance carriers.

Florida Homeowners Need To Be Covered For Hurricanes

As a Florida homeowner, it’s a good idea to make sure you are covered  against hurricanes  so you’re protected from water damage and structural damage caused by tropical storms and hurricanes.

Your property’s risk of damage from a hurricane in Florida is elevated. Unfortunately, hurricanes do happen, and if the past has taught us anything, it’s to be prepared.

What Is Hurricane Insurance In Florida?

What many people consider “hurricane insurance” is actually a combination of several types of insurance working together to cover your belongs from damage due to a hurricane.  While there is not an entirely separate policy for hurricane insurance alone, multiple policies such as homeowners insurance, flood insurance, and in some cases wind insurance come together to protect you from hurricanes and other large storms.

The state of Florida makes it mandatory for insurers to offer hurricane deductible options of $500, 2%, 5%, and 10% of what your home is insured for. Hurricane deductibles apply only in the event of a named hurricane. They cover damages over the span from when the hurricane watch or warning is issued until 72 hours past the termination of the last hurricane watch or warning. The state also has what is called a “single-season hurricane deductible”, so that you only have to pay once every hurricane season, regardless of the number of storms you are affected by that season. Hurricane deductibles are separate from regular homeowner’s insurance deductibles, so it is important that you make sure you are covered in both areas. Hurricane deductibles, however, are often only required once there is a named hurricane or storm in the area depending on the state that you are in.

Am I Covered For Hurricanes?

Living in a hurricane-prone place such as Florida, hurricane coverage is something that you should definitely factor into your insurance plan. What many people do not realize is that most traditional homeowners insurance policies do not cover hurricane damages. Different insurance companies have different rules on what is and isn’t covered when it comes to big storms, so you will most likely need a combination of homeowner’s, flood, and possibly windstorm insurance to ensure that you are fully covered during the event of a hurricane or other large storm. 

 It is important to know what degree of insurance you need based on your personal living situation. Hurricane coverage, to some degree, is required in the state of Florida for people who own a mortgage on houses or condos, and that includes landlords as well. When it comes to condos in the state of Florida, you can either have an all-in policy or a walls-in policy. With an all-in policy, the master policy will cover the exterior and interior of each unit, leaving the resident to only cover personal belongings and certain appliances. A walls-in policy, however, leaves the resident to cover everything from the walls to the inside of their unit. 

What Does Hurricane Coverage Include?

While every insurance company has its own standards for what is covered under their hurricane insurance policy, most cover your house and surrounding structures as well as your personal belongings. Hurricane insurance can cover all sorts of damages, including those from heavy winds, flooding, storm surge, heavy rainfall, and more. It is important to understand that hurricane insurance does not always cover storm surge damage, unless it only happened due to hurricane damage. In certain cases, it can be questionable whether the damages were caused due to wind, flooding, heavy rainfall, or other circumstances, which is why it is important to have insurance that covers all those things.

 

Goodland & Swank wants to make sure you are prepared for any situation and that everything you care about is covered, including your home, personal property, car, and more.

What we cover:

Your Home (Dwelling Coverage)

Need protection for your single-family home? Contact us today to hear how we can help.

Personal Property

This coverage protects your possessions inside your house that help make it a house. 

Liability Coverage

Liability insurance covers you against any lawsuits for bodily injury or property damage in your home. This coverage will pay for legal representation and could also cover damages you’ve been deemed responsible for in court.

Additional Living Expenses

It is meant to help you pay for costs over and above your usual living expenses you take on while your home gets rebuilt or repaired.

Committed to
Serving Our Customers

Goodlad & Swank Insurance is a family-owned insurance agency founded in 2009. We’ve built a team of knowledgeable professionals that value integrity, caring for our clients, and offering you superior service.

We’ve partnered with one of the largest selections of carriers in all of Florida making it easy for you to have a one-stop-shop for all your insurance needs.

An unforeseen event coupled with inadequate insurance can quickly result in financial trouble. We recognize that addressing insurance may not be your idea of fun, but our goal is to make the process as enjoyable as possible. In the end, you may just find yourself letting us know what the grandkids are up to or how the honeymoon went. Get to know us, you’ll be happy you did. 

 
Our Services

You can access the top-rated insurance companies in Florida for primary and second homes, condos, and the property you rent to others.

You benefit because we’ve partnered with some of the largest, most-respected auto insurance carriers in the industry to provide coverage for cars, motorcycles, motor homes, and recreational vehicles.

Your business is growing your business. Our business is working to guard you against the risks you face every day. Find out how to protect your business.

We work with premium carriers and brokers to offer a full suite of insurance options for residential condominium associations across Southwest Florida.

Get protected. Goodlad & Swank offers coverage through the National Flood Insurance Program as well as private flood insurance carriers.

Protect your legacy. Whether life insurance is for your family or your business we can help you find the right policy at the best possible price.

Satisfied clients

Have been working with Goodlad & Swank agency for five years. Have always been very helpful!

Daniella W.

This is an amazing company to do business with. I have several properties and slowly I have changed all properties to be with Goodlad & Swank Insurance.

Ody O.

Great services. I have been using them for several years now. Thanks team!

Steve C.

Competitive rates and excellent service. Really nice folks to do business with. Highly recommend!

Mike H.

Fast, courteous, professional service with comparable rates. What else do you need?

Len M.

Had one of the best experience ever at this insurance company. You feel like family and everyone here is friendly.

Moises M.

I had a great experience with this Company! I highly recommend! Mary Beck was very helpful, very professional and very quick to respond to my emails.

Tina C.

Have been working with Goodlad & Swank agency for five years. Have always been very helpful and have given us good options to choose from.

Daniella W.

I had some issues with my previous home owners insurance company. David at Goodlad & Swank went above and beyond to try to help me out.

Chandace S.

Excellent customer service, extremely knowledgeable of all insurance needs. I highly recommend this company!

Robin Y.

Went out of their way to be professional and helpful. Would highly recommend this agency.

Carmen C.

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Goodlad & Swank