Wind damage to your home's exterior? More may be covered than you think.

Florida homeowner policies typically include windstorm coverage. But the details matter. Some policies have separate wind deductibles that are significantly higher than the standard deductible. These wind deductibles are often percentage-based rather than fixed dollar amounts. For example, a 2% wind deductible on a $400,000 home is $8,000 out of pocket before insurance pays. Understanding your specific deductible structure before you file is critical.

Exterior wind damage goes well beyond the roof. Covered damage may include fencing and gates, siding and fascia, windows and doors, gutters and downspouts, screen enclosures and lanais, detached structures like sheds and carports, and in some cases landscaping. Many homeowners file claims that are significantly smaller than they should be because they don't know what to include.

After any wind event, walk the full perimeter of your property and document everything, not just the obvious damage. Check fences, gates, window screens, gutters, soffits, fascia boards, and any detached structures. Photograph every damaged item from multiple angles. This documentation becomes the foundation of your claim.

If wind damage has left your home exposed, such as from broken windows, damaged doors, or compromised siding, temporary repairs to prevent further damage are both acceptable and often necessary. Document the damage before making any temporary repairs, keep all receipts for materials, and photograph the temporary repair itself. These costs may be reimbursable.