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Hurricane Coverage

Don't take the risk. Get protected now.

Are you protected during hurricane season?

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

You need hurricane coverage

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.

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 are typical coverage limits?

Coverage TypeTypical Coverage Limit
Dwelling CoverageTypically covers the structure of your home, including the roof, walls, windows, and doors, against damage caused by hurricanes and related perils such as wind, hail, and rain. Coverage limits may vary based on the value and size of the home, but can range from $100,000 to several million dollars.
Other Structures CoverageProvides coverage for structures on your property that are not attached to the main dwelling, such as detached garages, sheds, fences, and swimming pools. Coverage limits are usually a percentage of the dwelling coverage and may range from 10% to 20% of the dwelling limit.
Personal Property CoverageCovers personal belongings such as furniture, clothing, electronics, appliances, and other items inside your home against damage caused by hurricanes and related perils. Coverage limits typically range from 50% to 70% of the dwelling coverage limit, but can be adjusted based on the value of your possessions and specific coverage needs.
Loss of Use CoverageHelps cover additional living expenses if your home becomes uninhabitable due to hurricane damage and you need to temporarily relocate. Coverage limits are typically a percentage of the dwelling coverage limit, with common limits ranging from 20% to 30%.
Windstorm InsuranceProvides coverage specifically for wind-related damage caused by hurricanes, including wind-driven rain and wind-borne debris. Windstorm insurance may be included as part of a standard homeowners insurance policy or offered as a separate policy or endorsement, depending on the insurance provider and the risk exposure in your area. Coverage limits and deductibles may vary based on the insured property and the level of risk.
Flood InsuranceCovers damage to your home and personal property caused by flooding, which is a common risk associated with hurricanes. Flood insurance is typically purchased as a separate policy through the National Flood Insurance Program (NFIP) or private insurance companies that offer flood coverage. Coverage limits and premiums are determined based on factors such as the flood zone where your property is located, the elevation of your property, and the coverage options selected.
Hurricane DeductibleA special deductible that applies specifically to hurricane-related damage. Hurricane deductibles are usually expressed as a percentage of the insured property’s value (e.g., 1%, 2%, 5%) rather than a fixed dollar amount. The deductible amount is typically based on the insured property’s total value or the dwelling coverage limit and is applied separately from the standard deductible for other covered perils. Hurricane deductibles are common in coastal areas prone to hurricane activity and help mitigate insurers’ risk exposure during severe weather events.

How are rates calculated?

Hurricane insurance rates, also known as windstorm insurance or hurricane wind coverage, are determined by various factors that assess the level of risk associated with insuring properties in hurricane-prone regions. Insurance companies utilize sophisticated modeling techniques, historical data, underwriting guidelines, and risk assessment tools to evaluate these factors and calculate premiums. Here’s a thorough breakdown of the key determinants:

  1. Location and Geographic Factors:

    • Properties located in hurricane-prone regions, such as coastal areas or regions along the Gulf of Mexico and Atlantic Ocean, face higher hurricane insurance rates.
    • Geographic factors such as proximity to the coast, elevation, and susceptibility to storm surge impact the level of risk associated with insuring the property.
    • Properties in designated high-risk zones may face higher premiums compared to those in lower-risk areas.
  2. Historical Loss Data and Catastrophe Modeling:

    • Insurers analyze historical hurricane loss data and utilize catastrophe modeling tools to assess the potential impact of hurricanes on insured properties.
    • Catastrophe models simulate various hurricane scenarios and calculate the likelihood and severity of potential losses, helping insurers estimate the level of risk and determine appropriate premiums.
  3. Building Characteristics and Construction:

    • The construction materials, age, and structural features of the property influence hurricane insurance rates.
    • Properties built with hurricane-resistant materials, fortified roofs, impact-resistant windows, and reinforced foundations may qualify for lower premiums due to reduced susceptibility to wind and storm damage.
    • Older properties or those constructed with less resilient materials may face higher insurance rates.
  4. Roof Shape and Design:

    • The shape and design of the property’s roof impact its ability to withstand hurricane-force winds and reduce the risk of wind damage.
    • Hip roofs, which slope on all four sides, are generally more wind-resistant than gable roofs, which have two sloping sides.
    • Properties with wind-resistant roof designs may qualify for premium discounts or lower rates.
  5. Distance to Water and Flood Risk:

    • Properties located near bodies of water or in flood-prone areas face increased risks of storm surge and flooding during hurricanes.
    • Insurers consider the property’s proximity to water bodies, elevation above sea level, and flood risk when determining hurricane insurance rates.
    • Flood insurance may be required in addition to hurricane insurance for properties located in high-risk flood zones.
  6. Deductibles and Policy Limits:

    • Hurricane insurance policies typically include specific deductibles for windstorm or hurricane-related damage.
    • Higher deductibles may lead to lower premiums but require property owners to bear a greater share of the repair costs in the event of a hurricane.
    • Policy limits, or the maximum amount of coverage provided by the policy, also influence premium rates.
  7. Claims History and Loss Experience:

    • A property’s claims history and loss experience related to hurricanes impact insurance rates.
    • Properties with a history of hurricane-related claims or significant storm damage may face higher premiums as insurers perceive higher risks associated with the property.
  8. Mitigation Measures and Preparedness:

    • Property owners can implement mitigation measures to reduce the risk of hurricane damage and qualify for premium discounts.
    • Measures such as installing hurricane shutters, reinforcing doors and windows, securing outdoor structures, and maintaining landscaping can help mitigate risks and lower insurance rates.
  9. Market Conditions and Regulatory Factors:

    • Insurance market conditions, regulatory requirements, and state-specific regulations may influence hurricane insurance rates.
    • Changes in reinsurance costs, regulatory reforms, and legislative initiatives aimed at mitigating hurricane risk can impact insurance rates over time.

In summary, hurricane insurance rates are determined by a combination of factors including location, historical data, building characteristics, roof design, flood risk, deductibles, policy limits, claims history, mitigation measures, and market conditions. Insurers carefully evaluate these factors to accurately price hurricane insurance policies and manage the risks associated with insuring properties in hurricane-prone regions.

Why choose Goodlad & Swank to cover your losses in a hurricane?

Prepare for the worst while hoping for the best with Goodlad and Swank Hurricane Insurance, your ultimate protection against nature’s fury. Picture this: a robust shield designed to safeguard your home, possessions, and peace of mind in the face of one of Mother Nature’s most formidable forces. At Goodlad and Swank, we understand the devastating impact hurricanes can have on communities and families. That’s why our hurricane insurance policies are meticulously crafted to provide comprehensive coverage when you need it most.

What sets Goodlad and Swank Hurricane Insurance apart is our unwavering commitment to proactive protection and support. Our policies offer robust coverage against a wide range of hurricane-related damages, including structural damage, flooding, and loss of personal belongings. Whether you live in a high-risk coastal area or simply want added peace of mind during hurricane season, our customizable options allow you to tailor coverage to fit your specific needs and budget, ensuring that you’re prepared for whatever comes your way.

Beyond the security of knowing you’re covered, choosing Goodlad and Swank means gaining access to a team of dedicated professionals who are committed to your safety and well-being. From expert guidance on hurricane preparedness and evacuation planning to seamless claims processing in the aftermath of a storm, we’re here to support you every step of the way. Don’t wait until it’s too late. Partner with Goodlad and Swank Hurricane Insurance today and take proactive steps to protect your home and loved ones against the destructive forces of nature.

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
Homeowners Insurance

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

Auto Insurance

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.

Business Insurance

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.

Condo Insurance

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

Flood Insurance

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

Life Insurance

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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