What isn’t covered by my Florida home insurance?

There are several things that are not included with your Florida home insurance policy. Here are some things that you need to understand about this insurance.

The Loss Must be Accidental and Sudden

If the loss in the home is something that has been slowly developing over time it’s not included in the home insurance policy. The loss has to be something that is accidental and occurs quite suddenly.

Normal Repairs

According to https://floridainsurancequotes.net/florida-homeowners-insurance/, your policy won’t cover normal wear and tear. For example, if you have a very old roof that needs replacing this is not covered under your policy. You would be responsible for replacing that roof on your own and out of your own pocket.


If you neglect your property, home insurance in Florida does not cover this. You need to take action to correct things in your home on your own and this is not covered. For example, if you have a small crack in your wall you need to repair this by yourself or have someone do it for you. If you notice a leak in a pipe but don’t fix this in your house floods you’re not covered by your policy.

Wind Damage

If you have a tree that falls during a windstorm on your property but hasn’t hit the house or another structure that is covered then the policy is not going to cover the removal of this tree. If the tree does fall and damages a covered structure, then you do have some coverage to have this tree removed from the property.

Does Not Cover Vacant Homes

Your policy does not cover a home that is vacant. The policy only covers a  property that has been occupied by an owner. The insurance company considers a vacant home to be at a higher risk. A vacant home is going to need a different type of insurance policy.

Water Runoff

An insurance policy won’t cover water runoff that occurs after heavy rainwater has pulled in one location according to https://floridainsurancequotes.net/florida-homeowners-insurance/. If this water happens to humiliate and then seeps into the foundation and you get damage to the foundation then this is not covered under your insurance. if you notice water that is pooling on your property you should have this looked at by a professional.

Not Taking Action

If your property is damaged such as a tree landing on the roof you need to take action it to further limit the damage. For example, this would include putting a tarp on the roof to keep out rainwater. If you allow further damage to occur to the property such as water damage from the hole in the roof, you are not going to be covered under your policy.


Talk to your insurance provider to understand everything you need to know about what is and what is not covered under your current FL home insurance policy.