Hurricane Insurance

Is it true that if you live within one mile of the ocean and your building is worth more than $750,000, you are going to have to have hurricane shutters, impact glass or window film which meet the code requirements for newly constructed buildings by Jan. 1 or if you are insured by Citizens they can refuse to pay a claim, or cancel your coverage?

This is essentially true. A bill was passed during the 2008 legislative session that amended Florida Statute 627.351. The new rules mandate that, as of Jan. 1, any home within one mile of the "coastal mean high water line" with an insured value of $750,000 or more is not eligible for Citizens Property Insurance Corporation coverage unless it has opening protections as required by the Florida Building Code for a newly constructed residential structure in that area. A residential structure will comply if it has shutters or opening protections on all openings and if such protections complied with the Florida Building Code at the time they were installed.

source: sun-sentinel.com


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hurricane shutters, impact glass or window film which meet the code requirements



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Rory Vanucchi
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