Windstorm & Flood Insurance: What every immigrant in Florida needs to know (before it’s too late)

Hi there!

If you’re living in Florida, looking for home insurance, or just wondering if your house is protected against hurricanes and floods — this guide is for you.

Here at 2Easy, we help people every day who had no idea their homes weren’t covered for some of the most common disasters in Florida. So I’m here to explain, with clarity and care, what windstorm insurance and flood insurance are — and why they’re not automatically included in your homeowners policy in the U.S.

Let’s make this real with a true story:

Miss Laura’s Story:

The roof flew off… but the coverage didn’t come with it.

Miss Laura lives in Florida. Like many here, she’s experienced her share of hurricanes. But one year, things got serious: a storm tore off half her roof.

The family was relieved — she had home insurance.

But when they called the insurance company, came the shock: her policy didn’t cover wind damage.

Translation? No windstorm coverage = no help.

The result? A major financial loss and the feeling of being misled — when really, she just wasn’t properly informed at the time she bought the policy.

“So, what exactly is windstorm insurance?”

Great question — one that many people Google:

“What is windstorm insurance in Florida homeowners policies?”

Windstorm insurance provides coverage for damage caused by strong winds, such as:

• Hurricanes

• Tornadoes

• Tropical storms

If you live in coastal areas or regions prone to hurricanes (hello, Florida!), this coverage is essential.

But here’s the catch:

It’s not always included in your basic homeowners insurance.

Always check your policy to see if it mentions “windstorm” or “hurricane” coverage.

“And what about flood insurance?”

Another critical piece.

If you’ve ever searched:

“My insurance doesn’t cover flooding, now what?”

You’re not alone.

Flood insurance is a separate policy designed to protect your home from water damage caused by flooding — something very common in Florida.

And here’s a crucial fact:

Standard home insurance does NOT cover floods.

If your street floods and water enters your home, and you don’t have flood insurance?

You’ll pay for everything out of pocket.

Why are windstorm and flood insurance sold separately?

Both wind and flood are considered catastrophic risks — events that are:

• Highly likely in certain regions

• Extremely expensive when they happen

That’s why U.S. insurance companies offer them as add-ons.

A few facts:

• Florida ranks among the states with the highest natural disaster risk, according to FEMA

• The National Flood Insurance Program (NFIP) is a federal program that provides most flood insurance policies in the U.S., because private insurers often won’t take that risk

How do I know if my home needs these coverages?

If you’re in Florida, chances are… YES.

Here are some red flags:

You live near the coast, canals, lakes, or rivers

You’ve received hurricane alerts or seen street flooding

Your current policy looks too “basic”

Your insurance price seems too low for your area

If any of these apply to you, it’s time to review your coverage.

And don’t worry — we at 2Easy can help, for free, in English, Spanish, or Portuguese.

How much do these coverages cost?

It depends on several factors:

• Location (closer to water = higher risk)

• Type of home (single-story, townhouse, condo)

• Property value

• Flood history in your area

Windstorm insurance can sometimes be added to your main policy, or purchased separately.

Flood insurance is typically issued via the NFIP and is surprisingly affordable, especially in moderate-risk areas.

Even people in low-risk zones can (and should!) get flood coverage at lower rates.

How to get the right protection safely:

1. Review your current policy — or send it to us, and we’ll review it for free

2. Talk to a licensed agent who knows Florida and speaks your language

3. Assess your real risk based on where you live

4. Get quotes that include windstorm and flood coverage for full protection

Don’t just trust what your landlord, realtor, or rental app says.

Trust professionals who deal with Florida insurance every single day — like the team at 2Easy.

Final message: Don’t let the wind blow away your peace of mind.

Miss Laura’s story isn’t rare.

Every month, we meet families who assumed everything was covered — and only realized it wasn’t after the damage was done.

If you’re new to the U.S., or just starting to build your life here, don’t leave things to chance.

Talk to us at 2Easy.

We’ll review your current policy, walk you through your options, and help you build a solid plan — one that protects your home and your future, even during hurricane season. 

FAQ – Common questions about windstorm & flood insurance:

1. “I already have home insurance. How do I know if I’m covered?”

You can read through your policy — or send it to us and we’ll check it for you, no strings attached.

We’ll let you know exactly what’s covered (and what’s not).

Call us at (321) 344-1199

We’ll walk you through everything — in English, Spanish, or Portuguese.

And 2Easy is here to make your life easier in the U.S.

Authored by 2Easy Insurance by WMB Digital Marketing