Florida Insurance Before Hurricane Season: What Homeowners Need to Know

Florida homeowners insurance can feel confusing, especially heading into hurricane season. In this episode of the Morgan Financial Podcast, host Lindsay Schellhorn sits down with Angela Dalaq from Brightway Insurance: Steve Trout Agency to talk through what Florida homeowners, homebuyers, and people relocating to Brevard County should understand before the next storm is on the radar. Angela explains the difference between a standard homeowners insurance deductible and a hurricane deductible, why flood insurance is usually separate from your home insurance policy, how roof age can affect whether a Florida home is insurable or affordable to insure, and why wind mitigation inspections can make such a big difference for Florida buyers. They also discuss beachside vs. mainland insurance differences in Brevard County, what out-of-state buyers should know before moving to Florida, and why getting an insurance quote early in the homebuying process can help avoid surprises before closing. Whether you already own a home in Florida, are buying your first home, relocating to Brevard County, or preparing for hurricane season, this conversation is full of practical insurance tips to help you ask better questions and understand your options. Timestamps: 0:00 Intro 0:30 What Florida homeowners should review before hurricane season 1:22 Does Florida homeowners insurance cover hurricanes? 1:43 What is a hurricane deductible? 2:43 Hurricane deductibles explained 3:09 How does the roof's age affects Florida home insurance? 4:06 Wind mitigation inspections and insurance credits 4:41 How does how the roof is attached to the home affect the home's insurance costs? 5:42 When should buyers start shopping for home insurance? 7:14 Brevard County insurance: coastal vs. mainland 8:05 Advice for people relocating to Florida 9:46 Angela’s real customer flood insurance story 12:00 Angela’s favorite local hangout spot Morgan Financial is your local, veteran-owned lender here to help. Contact us today at (321) 265-4000 For any inquires, questions, or comments: https://morganfinancial.net/contact/ Connect with us at Morgan Financial: Instagram:   / morgan.financial   Facebook:   / morganfinancial   TikTok:   / morganfinancial321   X:   / morganfinancial   LinkedIn:   / morgan-financial-melbourne-fl   Blog: https://morganfinancial.net/blog/ Morgan Financial Residential Mortgage Lender Equal Housing Lender NMLS ID: 318525 www.morganfinancial.net 1441 N. Harbor City Blvd. Melbourne, FL 32935 This content is for informational purposes only and does not constitute financial advice or a commitment to lend. Mortgage rates and terms are subject to change without notice and may not be available in all areas or for all borrowers. Not all applicants will qualify. Always consult with a licensed mortgage professional before making financial decisions.