Windstorm
Mobile home windstorm coverage and tie-downs
Windstorm coverage pays for wind and hurricane damage to a mobile home, usually with a separate hurricane deductible. Because anchoring is a mobile home's main defense against wind, insurers ask about tie-downs, skirting, roof and the HUD wind zone first.
What insurers ask about wind
- Are tie-downs installed and inspected?
- Which HUD wind zone is on the data plate?
- Roof type and age, and any roof-over
- Skirting, carports and screen rooms
Hurricane deductibles
Florida policies often carry a hurricane deductible that is a percentage of the home's coverage. Ask your agent for the dollar amount.
Before storm season
Have anchoring checked by a licensed installer, secure loose items, photograph the home and keep your policy handy.
Coverage depends on the policy, the insurance company and underwriting approval. Nothing here is a promise of coverage or price.
Or call (813) 291-3484.
Common questions
Do tie-downs lower my insurance?
Proper anchoring can open more options and may affect price. Keep the paperwork.
Is flood part of windstorm?
No. Storm surge and rising water need a flood policy.