Property insurance in Florida can be a dynamic aspect of property ownership. With Florida’s susceptibility to natural disaster and evolving insurance landscape, understanding your coverage needs and options can be critical. First-party property damage insurance is a type of coverage that helps property owners recover financial losses resulting from covered damages or losses sustained to their property. This type of insurance can be crucial in a state like Florida.

Key Elements of First-Party Property Damage Insurance in Florida

Hurricane Coverage: Florida is no stranger to hurricanes. Property insurance policies in Florida typically include coverage for windstorm damage, which often includes hurricane damage. Homeowners should review their policies to ensure they have the necessary coverage to safeguard their property during hurricane events. Hurricane season in Florida typically spans from June 1st to November 30th with the peak of hurricane activity often occurring between August and October.

Sinkhole Coverage: Florida’s unique geology can make it susceptible to sinkholes, which can cause significant property damage. Insurance companies provide coverage for catastrophic ground cover collapse, which includes sinkhole damage. However, differentiating between sinkhole activity and regular settling can be complex, making it essential to understand your policy’s terms and conditions.

Flood Insurance: Standard property insurance policies generally do not cover flood damage. This coverage is available through the National Flood Insurance Program (NFIP) and some private insurers.

Prompt Payment and Claims Handling: Florida law outlines requirements for insurers to handle claims promptly and in good faith. Insurers must acknowledge receipt of claims within a specified time frame and respond to them within a set period. Delays or wrongful denials could lead to legal action if the insurer fails to meet these requirements.

Appraisal Process: Disputes between policyholders and insurers over the value of property damage can arise, and appraisal is a process that can be utilized to resolve disagreements about the amount of loss in certain claims.

Challenges with Rising Costs and Availability

In recent years, Florida has experienced a surge in property insurance costs for various reasons. Additionally, some insurance companies have scaled back their coverage offerings or pulled out of the Florida market altogether. As a result, finding affordable and comprehensive insurance coverage can be a challenge.

Navigating Challenges and Knowing Your Rights

Navigating the claims process can sometimes be challenging. Some insurance companies might undervalue damages or delay payments. In such cases, it’s crucial for policyholders to be aware of their rights and remedies. Consulting an attorney who specializes in insurance law can help policyholders understand their legal options and take appropriate action.


As a property owner in Florida, it can be helpful. to familiarize yourself with your policy’s terms, ensure you have the right coverage, and understand the claims process. When needed, don’t hesitate to seek legal guidance to protect your rights and investment. Being informed can be a valuable step towards claim resolution in the face of property damage.

Speak to a Homeowners’ Insurance Attorney 

Contact our office at 321-342-1759 to speak with one of our homeowners’ insurance attorneys if you would like to discuss the particulars of your situation. We present the material contained on our website for general informational purposes only. It does not constitute the rendering of legal advice and does not create any attorney-client relationship. If you need legal or other professional advice, you should consult with legal counsel about your particular facts and circumstances. Call 321-415-9012 or contact us online to see how we may be able to fight for your claim!