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Florida Commercial Property Insurance: Hurricane Prep and Wind Deductibles Explained
Published January 2026 8 min read
How Florida wind deductibles work
Florida commercial policies separate wind into Named Storm (a tropical storm or hurricane with an NHC name) and All Other Wind. Named storm deductibles are typically a percentage of building value — 2%, 5%, or 10% — applied per occurrence.
Business interruption
After Hurricane Ian and Idalia, claims data shows that BI coverage was the deciding factor in business survival post-storm. Set BI limits using a worst-case 12-month gross revenue model — not last year's actuals.
Pre-storm documentation
Photo every room, every piece of equipment, every inventory line annually. Store digital copies offsite. Time-stamped pre-storm photos win disputed claims.
Related coverage
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