All coverages are subject to the provisions and conditions of the policy and any endorsements. There are two deductible limits on the homeowners policy. The All Other Peril deductible is a set amount that is applied to all covered losses other than hurricane losses. The second deductible applies only to hurricane losses.
Consumers are limited to one hurricane deductible per calendar year. However, for loss resulting from a second or subsequent hurricane within the same calendar year, the All Other Peril deductible may apply if it is a greater amount than the remaining balance of the hurricane deductible.
Structures attached to your home where there is no clear space between the structure and the home should be included in the value of the home, but do not include the foundation. Such structures include pools and pool enclosures. Improvements or renovations may increase the value of your home. When the policy is renewed, please verify that the coverage limit still reflects current reconstruction costs.
FLOOD COVERAGE IS NOT INCLUDED IN THE HOMEOWNERS POLICY
The water damage exclusion includes flood, surface water, rising water, waves, tidal water, storm surge, overflow of a body of water, or spray from any of these, whether or not driven by wind. It also includes back-up from sewers or drains, as well as water below the surface of the ground. Flood inusrance is purchased as a seperate policy. There is a 30-day waiting period and the maximum Coverage A Dwelling Limit is $250,000. Florida home insurance info is provided by the FL dept of financial services.

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Citizens Customer Svc

For more information please follow the Home Insurance Info Link
or refer to you Inurance policy for the detailed specifics.

 

Florida Home Insurance