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Tropical Storm
Tropical storm damaged your Florida property? We fight for the full payout your insurance policy owes you.
Tropical Storm Damage Claims in Florida
Tropical storms fall below hurricane strength on paper, but they routinely deliver hurricane-level damage, sustained winds, torrential rain, flooding, and downed trees, across wide areas of Florida. Because they are not classified as hurricanes, the way your policy treats the claim, and which deductible applies, can be different and is frequently the subject of dispute.
Wind and the resulting water damage from a tropical storm are generally covered, while flooding from rising water requires separate flood coverage. A central issue is the deductible: hurricane deductibles, which are often a percentage of your dwelling limit and far larger than a flat deductible, typically apply only to named hurricanes, so a tropical storm should usually fall under the lower standard deductible. Confirming the storm's classification through the National Hurricane Center can make a significant financial difference.
Getting the deductible and the wind-versus-flood distinction right is key to a full recovery.
This is part of our Property Damage Claims practice. Related matters include hurricane claims and flood damage. Review our case results, learn about Attorney Edward G. Jimenez, or request a free consultation by calling (321) 465-3425.
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Which Deductible Applies
The deductible can swing your out-of-pocket cost by thousands of dollars. Hurricane deductibles, frequently a percentage of your dwelling coverage, generally apply only to storms the National Hurricane Center names as hurricanes. A tropical storm should typically trigger only your standard deductible. We confirm the storm's classification and challenge any attempt to apply the larger hurricane deductible where it does not belong.
Wind vs. Flood
Tropical storms cause damage two ways the policies treat very differently: wind and wind-driven rain are covered by your homeowners policy, while rising-water flooding requires separate flood insurance. Insurers sometimes attribute wind damage to flood to avoid paying. We document the cause of each part of the loss so wind damage is recovered under your property policy and any flood damage is pursued under the right coverage.
Document and Report
Photograph all the damage, note the storm date and name, and report the claim promptly under Florida's windstorm deadlines. Keep receipts for emergency measures like tarping and water extraction. We confirm the correct deductible, separate wind from flood, and pursue the full payout your policy owes. Call Jimenez Legal at (321) 465-3425 or request a free consultation.
Frequently Asked Questions
Yes, wind and resulting water damage from a tropical storm are generally covered, subject to your policy.
It depends on how the storm is classified; tropical storms may fall under the standard deductible.
A hurricane deductible is often a percentage and can be far larger than a flat standard deductible.
Flood damage requires separate flood coverage, while wind-driven rain may fall under your property policy.
Storm records, photos, and repair estimates tied to the event support the claim.
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