Florida is paradise—until the storms hit. Homeowners and business owners across the state face a serious reality: standard insurance policies often exclude wind and hail damage, especially in high-risk areas near the coast.

🛑 What’s Not Covered in Many Standard Policies?

In Florida, many homeowners policies (especially from Citizens and other admitted carriers) exclude or limit windstorm and hail coverage. This means:

1. No coverage for hurricane or tropical storm wind damage
2. No coverage for hail impact (broken windows, roof dents)
3. You may only be covered for fire or theft, but not storm damage
4. Even if coverage exists, deductibles may be much higher than expected

💸 The Real Cost of Going Uncovered

If your roof is damaged by wind gusts or hailstones and you don’t have specific coverage, you’ll pay out of pocket. And in Florida, where the average roof claim after a hurricane is $15,000 to $25,000, that’s not a risk you want to take.

Business owners face even more serious consequences:

• Lost inventory due to water damage

• Equipment damage from roof failure

• Total interruption of business operations

✅ How Bell and Lyons Insurance Protects You

At Bell and Lyons Insurance, we specialize in helping Florida homeowners and business owners get covered properly, even if wind and hail is excluded from your base policy. Here’s what we do:

• 🔍 Review your existing policy to check for exclusions and limitations

• 🏗️ Find carriers that include wind and hail, even in restricted ZIP codes

• 💬 Speak French or English—we help the local francophone community understand everything clearly

• 🛠️ Help you find affordable windstorm deductibles

• 📦 Bundle coverage with flood or liability to maximize protection and savings

Call us today at 954-998-3860 to get a free review of your current policy. Don’t wait for the next hurricane watch—get protected now.