Florida Statute 627.4025 | Lawyer Caselaw & Research

The 2024 Florida Statutes

Title XXXVII
INSURANCE

Chapter 627
INSURANCE RATES AND CONTRACTS

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F.S. 627.4025

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.

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Amendments to 627.4025

Arrestable Offenses / Crimes under Fla. Stat. 627.4025

Level: Degree
Misdemeanor/Felony: First/Second/Third

Current data shows no reason an arrest or criminal charge should have occurred directly under Florida Statute 627.4025.

Annotations, Discussions, Cases:

Cases Citing Statute 627.4025

Total Results: 4

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

Court: District Court of Appeal of Florida | Date Filed: 2015-12-09

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

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

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

Court: Supreme Court of Florida | Date Filed: 2011-06-30

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

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

Florida Insurance Guaranty v. Devon Neighborhood Ass'n

Court: District Court of Appeal of Florida | Date Filed: 2009-12-02

Citation: 33 So. 3d 48, 2009 Fla. App. LEXIS 18423

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

Florida Windstorm Underwriting v. Gajwani

Court: District Court of Appeal of Florida | Date Filed: 2005-05-11

Citation: 934 So. 2d 501, 2005 Fla. App. LEXIS 6782, 2005 WL 1109465

Snippet: reasonable and obvious implications). In fact, 627.4025(2)(a), Florida Statutes (2004) seems to contemplate