Hurricane Season Prep: Auto Insurance Coverage in Melbourne, FL

In Melbourne, Florida, preparing for hurricane season is a fact of life. Between June and November, strong storms can bring heavy rain, powerful winds, flooding and flying debris—all of which can cause severe damage to your vehicle. Before the next storm strikes, make sure your auto insurance coverage offers the protection you need.

What Auto Insurance Covers Hurricane Damage?

In Florida, the minimum required auto insurance—personal injury protection (PIP) and property damage liability—does not cover damage to your own vehicle. To protect your car against hurricane-related damage, you’ll need comprehensive coverage.

Comprehensive auto insurance may cover the following:

• Flood damage—Rising waters from heavy rain or storm surges can cause devastating damage to your vehicle’s engine and electrical systems.
• Wind damage—Flying debris, fallen trees or blown-over structures can crush or severely damage your car.
• Hail damage—Some hurricanes produce hail that can dent or shatter your vehicle’s surfaces.

In Florida, it’s important to review your comprehensive deductible before hurricane season begins. While most auto policies have a standard comprehensive deductible, some insurers in high-risk areas may apply a special deductible for named-storm damage. It’s worth reviewing the details of your policy before hurricane season.

It’s also critical to know that once a hurricane watch or warning is issued for Florida, insurers may not allow you to make changes to your coverage until after the storm has passed. Preparing for storms early is key.

Don’t Wait Until a Storm Hits

Protect your vehicle before hurricane season peaks. Traditional Insurance of Florida, LLC is here to help you get the right coverage. Contact us today for a policy review.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.