Florida Statute 627.4025 - Full Text and Legal Analysis

The 2025 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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627.4025 Residential coverage and hurricane coverage defined.—

(1) Residential coverage includes both personal lines residential coverage, which consists of the type of coverage provided by homeowner, mobile home owner, dwelling, tenant, condominium unit owner, cooperative unit owner, and similar policies, and commercial lines residential coverage, which consists of the type of coverage provided by condominium association, cooperative association, apartment building, and similar policies, including policies covering the common elements of a homeowners association. Residential coverage for personal lines and commercial lines as set forth in this section includes policies that provide coverage for particular perils such as windstorm and hurricane or coverage for insurer insolvency or deductibles.

(2) As used in policies providing residential coverage:

(a) “Hurricane coverage” is coverage for loss or damage caused by the peril of windstorm during a hurricane. The term includes ensuing damage to the interior of a building, or to property inside a building, caused by rain, snow, sleet, hail, sand, or dust if the direct force of the windstorm first damages the building, causing an opening through which rain, snow, sleet, hail, sand, or dust enters and causes damage.

(b) “Windstorm” for purposes of paragraph (a) means wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane which results in direct physical loss or damage to property.

(c) “Hurricane” for purposes of paragraphs (a) and (b) means a storm system that has been declared to be a hurricane by the National Hurricane Center of the National Weather Service. The duration of the hurricane includes the time period, in Florida:

1. Beginning at the time a hurricane warning is issued for any part of Florida by the National Hurricane Center of the National Weather Service; and

2. Ending 72 hours following the termination of the last hurricane watch or hurricane warning issued for any part of Florida by the National Hurricane Center of the National Weather Service.

(d) “Hurricane deductible” means the deductible applicable to loss caused by a hurricane.

History.—s. 8, ch. 95-276; s. 11, ch. 96-194; s. 10, ch. 97-55; s. 13, ch. 2023-130.

F.S. 627.4025 on Google Scholar

F.S. 627.4025 on CourtListener

Amendments to 627.4025

Annotations, Discussions, Cases:

Cases Citing Statute 627.4025

Total Results: 4

Florida Insurance Guaranty Ass'n v. Devon Neighborhood Ass'n

67 So. 3d 187, 36 Fla. L. Weekly Supp. 311, 2011 Fla. LEXIS 1526, 2011 WL 2566399

Supreme Court of Florida | Filed: Jun 30, 2011 | Docket: 434989

Cited 48 times | Published

separately in the insurance code. See, e.g., § 627.4025, Fla. Stat. (2010) (stating that residential

El-Ad Enclave at Miramar Condominium Ass'n v. Mt. Hawley Insurance

752 F. Supp. 2d 1282, 2010 WL 4722288

District Court, S.D. Florida | Filed: Nov 22, 2010 | Docket: 2339937

Cited 2 times | Published

"only as to hurricane coverage as defined in § 627.4025," which provides that "hurricane coverage" is

Florida Insurance Guaranty v. Devon Neighborhood Ass'n

33 So. 3d 48, 2009 Fla. App. LEXIS 18423, 2009 WL 4283084

District Court of Appeal of Florida | Filed: Dec 2, 2009 | Docket: 1649428

Cited 2 times | Published

condominium associations for common elements. See § 627.4025, Fla. Stat. (2005). The policy in this case constituted

State Farm Florida Insurance Company v. Richard Moody, Roberta Moody and Robert Denney

180 So. 3d 1165, 2015 Fla. App. LEXIS 18405

District Court of Appeal of Florida | Filed: Dec 9, 2015 | Docket: 3019337

Published

only the definition-of hurricane found in section 627.4025(2)(c), Florida Statutes, and not the definitions'

This Florida statute resource is curated by Graham W. Syfert, Esq., a Jacksonville, Florida personal injury and workers' compensation attorney. Attorney Syfert regularly works with Chapter 627 in the context of insurance coverage law and represents clients throughout Northeast Florida. For legal consultation, call 904-383-7448.