Know exactly what your policy covers before the next storm.
Family-owned independent agency
Serving Southwest Florida since 2009
There’s no single “hurricane policy.” In Florida, hurricane protection usually comes from two pieces: your homeowners or condo policy, which covers wind damage with a separate hurricane deductible, and a flood policy, which covers storm surge and rising water. Some homes in high-risk coastal areas get wind coverage from a separate wind-only policy.
If you have a mortgage, your lender will require wind coverage, and possibly flood. Goodlad & Swank reviews what you have, explains the gaps in plain language and compares carriers so you’re protected before the next storm.
Most hurricane damage falls under one of these coverages. Gaps usually show up between wind and water.
Repairs your home’s roof, walls, windows and doors after wind, wind-driven rain and flying debris, subject to your hurricane deductible.
Detached garages, sheds, fences and pools, usually 10% to 20% of your dwelling limit.
Belongings damaged by wind or wind-driven rain, usually 50% to 70% of your dwelling limit.
Hotel, meals and other extra costs if wind damage makes your home unlivable.
Not covered by homeowners insurance. Rising water, storm surge and flood need a separate flood policy.
In some coastal areas, wind is excluded from the homeowners policy and written separately, often through Citizens. We’ll make sure the pieces fit together.
Your hurricane deductible applies to hurricane wind damage and is separate from your all-other-perils deductible.
Insurers must offer options of $500, 2%, 5% and 10% of your dwelling limit, with some exceptions for higher-value homes. On a $400,000 home, 2% is $8,000.
In Florida, the hurricane deductible applies on a calendar-year basis. After you’ve met it, later hurricanes that year use any remaining balance or your regular deductible.
A higher percentage lowers your premium but raises what you pay after a storm. Pick an amount you could actually cover.
Florida law requires insurers to offer discounts for qualifying wind-mitigation features, such as:
A wind mitigation inspection documents these features so your insurer can apply the credits.
If your policy doesn’t reflect one, an inspection may lower your premium. We’ll tell you what your insurer needs and make sure the credits are applied.
We’re not the insurance company. We’re your agent, and that distinction matters.
Storm surge and rising water aren’t covered by homeowners insurance. NFIP flood policies generally take 30 days to start, so don’t wait for a storm forecast.
A captive agent sells one company’s products. We represent dozens of carriers, so we can shop the market and find the policy that actually fits your situation.
Our office is at 702 Leeland Heights Blvd W in Lehigh Acres, and we serve Lehigh Acres, Fort Myers, Cape Coral, Bonita Springs, Estero and Naples. You’re not a policy number. You’re a neighbor.
Butch Swank built this agency on one idea: change the way people feel about their insurance agency. Our team treats every client like family.
Butch serves on the Board of Lehigh Regional Medical Center and co-founded the East Lee Education Cooperative, and Mary sits on the Board for Lehigh Community Services. We don’t just work here. We live here.
Share the address, the home’s age and roof details, and the coverage you have today.
We shop multiple insurance companies and lay out the differences in coverage and price in plain language.
Pick the policy that fits. We take care of the paperwork and stay your point of contact for changes, renewals and claims questions.
Florida’s insurance rules and carrier options change constantly. Our family-owned team shops multiple carriers to get you the most coverage for your money.
