MOUNT DORA, Fla. - Feb. 2, 2026 - PRLog -- Beucher Insurance Agency, a trusted provider of home insurance solutions across Central Florida, has released a new educational blog to help Florida homeowners better understand windstorm and hurricane deductibles before the 2026 storm season begins.
Titled "Windstorm & Hurricane Deductibles in Florida: What You Need to Know," the blog addresses one of the most misunderstood aspects of homeowners' insurance. With hurricane season officially running from June through November, the article explains how deductibles work, when they apply, and why many homeowners are surprised by out-of-pocket costs after a storm.
"Hurricane and windstorm deductibles work very differently from standard deductibles, and many policyholders don't realize that until they file a claim," said Andrew Beucher, owner of Beucher Insurance Agency. "Our goal with this newest blog is to give Florida homeowners clear, practical information so they can make informed decisions before a storm hits."
The blog breaks down how hurricane deductibles are calculated as a percentage of a home's insured value rather than a flat dollar amount. For example, a 2 percent deductible on a $350,000 home means the homeowner is responsible for $7,000 before insurance coverage applies. The article also explains how these deductibles reset annually and typically apply once per hurricane season.
In addition, the blog clarifies the distinction between windstorm and hurricane deductibles. This distinction often causes confusion. While hurricane deductibles apply only when a storm is officially declared a hurricane, windstorm deductibles may apply during severe thunderstorms or tropical systems that do not meet hurricane criteria. This distinction is especially important for Central Florida homeowners who may assume hurricane rules apply to all wind-related damage.
The blog also highlights recent changes in Florida's insurance market, including higher deductibles, stricter underwriting, and increased storm-related risk. Many homeowners now carry policies with higher out-of-pocket exposure than they realize, making annual policy reviews more important than ever.
"Florida insurance is not one-size-fits-all," Beucher added. "Homes in Lake County face different risks than coastal properties, but wind exposure remains a concern statewide. Working with a local agency ensures coverage reflects real-world conditions, not just generic policy language."
The blog encourages homeowners to review their coverage before storm season and consult a local insurance professional to understand their deductible options and potential savings better.
The full article is now available at https://floridahomeinsuranceprice.com/windstorm-hurricane-deductibles-in-florida-what-you-need-to-know/
For more information or to schedule a free policy review, contact Beucher Insurance Agency at 352-357-1994 or visit www.FloridaHomeInsurancePrice.com.
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Source: Beucher Insurance Agency
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