Florida’s Hurricane Deductibles Do Not Apply to Fay

Tropical Storm Fay lingered on forever, but she never did make hurricane strength, for which we were very grateful.  And now we can be grateful for a different reason:  if your home sustained damage due to the storm, the hurricane deductible in your homeowner’s insurance policy does not apply.

According to Florida law, your insurance company must use the same definition of hurricane as does the National Hurricane Center.  Therefore, since the Center did not declare Fay a hurricane, neither can your insurance company.

If your insurance company tries deny your claim or imposes a huge deductible due to “hurricane damage”, they are not treating you fairly under Florida law and you should contact an attorney.  Call one of Board Certified Trial Lawyers who have experience in resolving many different kinds of insurance disputes, including homeowner’s insurance disputes.



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