Do I Need Flood Insurance if I Already Have Hurricane or Windstorm Coverage?
It’s one of the most common questions we hear from Florida homeowners. The answer is almost always yes—because these policies protect you from very different risks.
At Jupiter-Tequesta Insurance, we make sure you understand the difference so you’re never caught by surprise after a storm.
Flood Insurance
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Covers water damage from storm surge, rising rivers, or heavy rain
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Not included in standard Homeowners Insurance
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Essential even outside designated flood zones—over 20% of claims come from “low-risk” areas
Windstorm / Hurricane Insurance
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Covers damage caused by wind, flying debris, and structural loss from hurricanes or tropical storms
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Often comes with a separate Hurricane Insurance deductible
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Required by many lenders in coastal Florida
Why You Need Both
A hurricane may cause:
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Roof damage from high winds (covered by hurricane insurance)
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Flooding from storm surge (covered by flood insurance)
Without both policies, you could face devastating repair bills.
What Our Clients Say
“Tripp… continued to impress us by finding an auto insurance policy that was around $400 cheaper than our current policy for the same exact coverage.” – Kelly R.
“Not only do you get to meet the coolest mascot in town, AKA Rigger the golden retriever, but you’ll also work one on one with the coolest people in town!” – Amber B.
Protect Your Home From Every Angle
Florida storms don’t discriminate—neither should your coverage.
📞 Call (561) 745-7331 or request a free quote from Jupiter-Tequesta Insurance Services today to make sure you’re protected from both flood and windstorm damage.