Understanding Florida Home Insurance and Flood Coverage: What Every Homeowner Should Know
- Jansen Shutters & Specialties
- Nov 4
- 3 min read
In Florida, protecting your home goes beyond shutters and alarms, it’s also about understanding how your insurance works when disaster strikes. At Jansen Shutters & Specialties (JSS), we see too many homeowners assume that their standard homeowner’s policy covers everything. The truth is, most policies don’t include flood damage, and the difference between what’s covered and what’s not can cost thousands.
The Hidden Gap in Florida Insurance
A typical Florida homeowner’s policy covers wind damage from hurricanes, but not flooding caused by storm surge or heavy rain. The Florida Office of Insurance Regulation reports that more than 40% of homeowners in coastal areas mistakenly believe they’re protected from flood damage when they’re not.
Flood coverage is a separate policy, typically purchased through the National Flood Insurance Program (NFIP) or a private carrier. Without it, even minor flooding can become a financial disaster.
For coastal homeowners in Sarasota, Venice, Siesta Key, and Longboat Key, where storm surges and heavy rainfall are common, that gap in coverage can be the difference between a quick recovery and months of rebuilding costs.
Storm Protection Meets Insurance Savings
While insurance helps after the storm, JSS products protect before it. Aluminum rolling shutters, accordion systems, and impact-rated screens can reduce wind-driven rain damage and even qualify you for insurance discounts.
Many insurers in Florida offer wind mitigation credits for homes equipped with hurricane-rated shutters or impact systems. Our Florida Building Code–approved shutters not only protect your home’s structure but can also help you save hundreds annually on premiums.
Smart Protection with Somfy Automation
JSS integrates Somfy Smart Control technology so you can automate or remotely close shutters before a storm. Through the Somfy TaHoma® app, homeowners can:
Lower shutters instantly when storm alerts hit
Schedule automatic closure during hurricane season
Secure openings remotely, even if you’re out of state
That means fewer emergency trips home, faster preparation, and improved storm-readiness, all factors insurers view positively when assessing risk.
Understanding Florida Home Insurance and Flood Coverage Is the First Step to Protecting Your Investment
If there’s one thing every Florida homeowner needs to know, it’s that storm protection and insurance go hand in hand. Understanding Florida home insurance and flood coverage helps you prepare not only for the next hurricane, but also for the financial implications of post-storm recovery.
When paired with professionally installed hurricane-rated shutters, your insurance strategy becomes a proactive plan, not just a safety net.
5 Flood & Insurance Tips for Florida Homeowners
1️⃣ Review your homeowner’s policy annually.
Make sure windstorm and flood coverages are clearly listed.
2️⃣ Purchase flood insurance
Even if you’re not in a high-risk zone. Nearly 25% of all flood claims come from low- to moderate-risk areas.
3️⃣ Install hurricane-rated shutters
This is to qualify for wind mitigation discounts.
4️⃣ Document your protection systems.
Keep photos of JSS shutters, product specs, and installation receipts for insurance verification.
5️⃣ Automate your defense.
With Somfy integration, you can respond instantly to storm alerts, even from hundreds of miles away.
Peace of Mind Starts with Preparation
At JSS, we believe protection begins before the storm and extends beyond physical safety, it’s about financial security, too. By combining insurance awareness with impact-rated defense, Sarasota homeowners can create a complete protection plan that truly safeguards what matters most.
📍 Visit www.jansenshutters.com
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Here's how you can join us in making a difference right here in our community:
Volunteer: Sign up for free training and join our volunteer force.
Request Assistance: If your home or business requires storm cleanup support, connect directly with our volunteer crews.
Become a Sponsor: Local businesses and organizations are invited to sponsor and support community resilience.
Download Your Complimentary Hurricane Preparedness & Safety Guide.
Together, we are stronger. Be proactive, Be prepared, and Be StormStrong.
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