When a standard policy is no longer an option, we move to a "Split-Policy" strategy. Instead of one single policy, we piece together your protection like a puzzle. Here is your 101 guide to the most critical piece: The Wind-Only Policy.
What is a Wind-Only Policy?
A wind-only policy is a standalone insurance product that covers damage caused exclusively by windstorms, hurricanes, and hail. It steps in when your main homeowners policy says “No” to wind.
The 3-Part Protection Strategy
To get full coverage in 2026, many coastal homeowners now need to “stack” three different policies:
- The “Ex-Wind” HO-3 Policy
This is your base. It covers fire, theft, and liability, but explicitly excludes wind and hail. - The Wind-Only Policy
This fills the gap left by the HO-3, covering structural damage to your roof, siding, and windows caused by high winds. - The Flood Policy
Remember—neither of the policies above cover rising water. In Florida and coastal regions, a flood policy is the final, essential piece for storm surge protection.
Important Details You Can’t Ignore
- The Percentage Deductible: Unlike standard $1,000 deductibles, wind policies often use percentages (2% to 10%). If your home is insured for $500,000, a 2% deductible means you pay $10,000 out of pocket before coverage kicks in.
- Replacement Cost vs. ACV: Does your policy pay to replace your roof with a new one, or only what your old roof was worth? In today’s market, knowing this distinction is the difference between a $500 check and a $20,000 check.
- The “Wind Mit” Discount: A Wind Mitigation Inspection is your best friend. Documenting “hurricane clips” or impact-rated windows can trigger massive, mandatory discounts on your premium.
Where Do We Find These Policies?
When the private market shrinks, we look toward “Insurers of Last Resort” (like Florida’s Citizens or Texas’ TWIA) and Surplus Lines carriers. These are specialized insurers designed specifically for high-risk properties.
- The Bottom Line
At Triton Insurance Group Miami, we specialize in navigating these pullbacks. You don’t have to face the “coastal puzzle” alone. We can help you audit your current coverage to ensure there are no cracks in your shield before the next named storm appears on the radar.
Connect Triton Insurance for guidance
Be proactive – understand your coverage before changes take effect.