As Florida residents, we know that hurricane season can be relentless. But what happens when two hurricanes strike in the same season? How do insurance claims work when your home has already been damaged once?

A recent Florida Office of Insurance Regulation (OIR) Bulletin clarifies how insurers must handle claims for multiple hurricanes. If you’re a homeowner dealing with back-to-back storms, here’s what you need to know.

Understanding Your Hurricane Deductible

Florida policies typically have a hurricane deductible, which is separate from your standard homeowners deductible. This deductible is usually a percentage of your home’s insured value. However, if multiple storms hit your home, the rules can get tricky.

Generally, under Florida law:

  • You only pay one hurricane deductible per season.
  • If you already met your hurricane deductible from the first storm, your insurer should cover additional damage without applying it again.
  • If the second storm causes damage before your deductible is fully met, you may still owe the remaining balance.

What If the Second Storm Worsens the Damage?

Many homeowners worry about whether their insurance will cover new damage versus pre-existing damage from the first hurricane. The bulletin clarifies that insurers must fairly evaluate each claim and cannot unfairly deny coverage just because your home was already damaged.

If you experience additional damage from a second hurricane, be sure to:

  • Take detailed photos before and after each storm.
  • Keep all repair estimates and receipts from the first claim.
  • Notify your insurer as soon as possible and provide documentation.

Avoiding Bad-Faith Insurance Practices

Unfortunately, some insurance companies might try to delay or deny claims, especially in a high-claim season. The OIR bulletin serves as a reminder to insurers that they must follow Florida law and treat policyholders fairly.

If you feel your claim is being unfairly delayed or denied:

  • Request written explanations for any claim decisions.
  • Consult with a public adjuster or attorney if necessary.
  • Report bad faith practices to Florida’s Department of Financial Services.

Final Thoughts

Navigating insurance claims after a hurricane is stressful enough—dealing with two in one season can feel overwhelming. Understanding your rights as a Florida policyholder is key to ensuring your home is properly repaired, and your insurance company upholds its obligations.

If you have been impacted by multiple hurricanes and are struggling with your insurance claim, don’t hesitate to seek professional guidance. Stay informed, stay persistent, and advocate for the coverage you deserve!

If you need to contact your Florida Legislature to voice concerns about insurance practices or seek assistance, you can find your representatives here: Florida Legislature Contact.