Wind and Hurricane Insurance in Lutz, Land O'Lakes, Wesley Chapel, New Tampa & Elsewhere in Pasco and Hillsborough

Wind InsuranceWind insurance premiums in Florida can be extremely costly, which is why it only makes sense to seek the best available deal by working closely with the experts at Shoemaker & Associates Insurance. The fact is, the bulk of the price of most homeowners insurance policies in Florida is taken up by windstorm or hurricane coverage. This is a byproduct of geography. After Hurricane Andrew wreaked $25 billion in damage on South Florida in 1992, many private insurers stopped providing homeowners and wind policies in the state. The unusually active and destructive hurricane seasons of 2004 and 2005 only made it harder for homeowners, as more and more providers pulled out of Florida. What’s a business owner or homeowner to do?

Hurricane and wind insurance is intended to cover collateral events, such as damage caused by fallen branches or limbs, loose roof shingles, or other flying debris. The State of Florida, through the state-operated Citizens Property Insurance Corporation, provides tips to homeowners and owners of commercial property on how to potentially reduce windstorm premiums. Improvements and reinforcements of the following architectural features is key:

  • Roof-to-wall connection
  • Protection of openings
  • Doors
  • Roof covering
  • Secondary water resistance
  • Roof shape and bracing of gable end
  • Roof deck attachment

Shoemaker’s agents can help you determine your ideal approach to wind insurance, providing guidance and advice on how much coverage you might need as well as finding the best available rates. We are a full-service, independent insurance agency, the place where all your insurance needs can be met under one roof. Whether you seek the most comprehensive and affordable hurricane insurance, homeowners insurance, business insurance, auto insurance, or other types of coverage, contact us today in Lutz, Land O’Lakes, Wesley Chapel, and elsewhere in Pasco and northern Hillsborough counties.