Koosh Insurance · Property & Construction

    Hurricane & Windstorm

    Wind deductibles aren't $500. They're 2%, 5%, sometimes 10% of your building's value — written into the policy in language most owners don't read until the storm has passed. In storm-exposed states, wind is often carved out of standard property policies, written by specialty carriers, and structured to surprise the unprepared. Getting it wrong means a six- or seven-figure surprise after the storm.

    See what's covered

    Coverage

    What this coverage includes

    • Wind damage to the building structure, roof, and exterior systems
    • Damage from wind-driven rain that enters the building through openings created by wind
    • Hurricane-named-storm coverage triggered when a named storm impacts your area
    • Debris removal following a covered wind event
    • Tree, sign, and outdoor-property damage within policy sub-limits
    • Loss of business income from wind-caused shutdowns (when business interruption is included or endorsed)

    Who Buys This

    Who typically buys this coverage

    • Coastal commercial property owners — Florida, the Gulf Coast, the Carolinas, the Mid-Atlantic, and Northeast coast
    • Multi-family and condo associations in hurricane-prone regions
    • Hotels, restaurants, and hospitality groups that can't afford an extended post-storm shutdown
    • Contractors and construction firms with active job sites in storm zones
    • Inland businesses in tornado and severe-thunderstorm corridors where wind exposure is meaningful even without hurricane risk

    Why Koosh

    Why Koosh Insurance

    Some agencies will quote your hurricane policy from a desk in Phoenix. We've placed coverage on properties that took a direct hit, sat through the claims, and learned which carriers showed up. Storm season starts every June. We start placing coverage in March.

    Specialty carrier relationships — surplus and specialty wind markets that won't talk to a generalist agent.

    Citizens placement and depopulation experience — we know when Citizens is the right home and when to move you out.

    Mitigation credit verification — we make sure carriers credit every qualifying feature.

    Claims advocacy after the storm — we've sat across the table from adjusters on hurricane claims and we know where the disputes happen.

    Multi-state portfolio coordination — consistent placement and renewals that don't overlap inconveniently with storm season.

    FAQ

    Frequently asked questions

    In high-exposure markets, standard carriers either exclude wind or surcharge it heavily. Specialty wind markets and state-run programs (like Citizens in Florida) cover what the admitted market won't. We coordinate them so there's no gap and no overlap.

    Instead of a flat $5,000 deductible, hurricane deductibles are usually 2%, 5%, or 10% of your insured building value. On a $2M building, a 5% deductible means $100,000 out of pocket before the policy responds. We model this at every quote so the number doesn't surprise you.

    The hurricane deductible only triggers for damage from a named storm during a defined window — typically when a hurricane watch or warning is issued by the National Hurricane Center, ending a set number of hours after it's lifted. Exact triggers vary by state and policy.

    Probably yes, just at much lower cost. Tornado, derecho, and severe-thunderstorm wind cause major losses every year well inland of any coastline. Standard property policies usually include this exposure, but it's worth confirming.

    Depends on your property, location, and risk profile. Citizens is often the only option for older or high-exposure properties, but private markets are frequently cheaper with broader coverage when they'll quote. We shop both.

    Yes, but underwriters price the risk accordingly. Wind mitigation features — shutters, impact glass, hip roofs, roof tie-downs — produce real premium credits in many states. We make sure you get every credit you're entitled to.

    Related

    Related services

    Commercial Property

    Buildings, equipment, inventory, and operational assets.

    Real Estate & Development

    Coverage for investors, developers, and property managers.

    Builders Risk & Construction Liability

    Construction projects from start to finish.

    This page provides general information about Hurricane & Windstorm insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Hurricane & Windstorm

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314