Yes, most homeowners in Cape Coral need separate windstorm insurance, because many standard homeowners policies in this part of Florida either exclude wind damage outright or apply a separate hurricane deductible that catches people off guard after a storm. At LP Insurance Solutions, this is one of the most common questions our clients bring to us, and it's also one of the most misunderstood parts of homeowners insurance in Cape Coral, FL.
How Windstorm Deductibles Work in Cape Coral
Hurricane deductibles here are usually a percentage of your home's insured value, commonly 2%, 5%, or 10%, not a flat dollar amount, and they often work differently than the rest of your homeowners insurance. On a $350,000 home, a 5% deductible means $17,500 out of pocket before windstorm insurance in Cape Coral kicks in.
Windstorm vs. Flood Insurance
Windstorm coverage handles wind-driven damage. Flood insurance covers rising water and storm surge. In Cape Coral, with its canals and low-lying lots, a storm can easily bring both, so homeowners insurance alone may not be enough.
Who Should Double-Check Their Policy
Anyone who switched carriers recently, owns an older home, or lives on a canal or waterfront lot should confirm their coverage directly with an agent before the next storm season.
LP Insurance Solutions
1423 SE 16th Pl # 103,
Cape Coral, FL 33990
(239) 829-0200
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