Our Homeowners Policy includes windstorm damage, but not flood, hench the separate policy. Across the boarder in Mississippi, they have Homeowners, Windstorm, and Flood separately. I'm guessing that FL is similar?
Yep here in Florida the Homeowners, Windstorm and Flood are separate policies.
I love how the insurance companies do their discounts ... we had a discount for years because we have a hip roof but upon recent evaluation our policyholder determined that our hip roof is actually a 'dutch hip' so therefore we no longer get that discount and due to a somewhat huge discount that was offered right after the '04 hurricanes I installed state approved hurricane shutters costing hundreds of dollars and recently the insurance company dropped that discount for whatever reason they deemed.
My regard for insurance companies goes hand in hand with the buy-here-pay-here for 30% interest used(up) car sales lots. No offense Mary.
