The 2023 Florida Statutes (including Special Session C)

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.

F.S. 627.4025 on Google Scholar

F.S. 627.4025 on Casetext

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 from cite.case.law:

STATE FARM FLORIDA INSURANCE COMPANY, v. MOODY,, 180 So. 3d 1165 (Fla. Dist. Ct. App. 2015)

. . . They also argued the insurer used only the definition-of hurricane found in section 627.4025(2)(c), Florida . . . policy the definition of “hurricane” sections 2(a) and 2(b) in addition to Section 2(c) of section 627.4025 . . . on [the insurer’s failure to include the language set [forth] in Sections 2(a) and 2(b) of Section 627.4025 . . . Endorsement to apply to tornados; it could have included section 627.4025(2)(b), which defined “windstorm . . . issued for any part of Florida by the National Hurricane Center of the National Weather Service. § 627.4025 . . .

FLORIDA INSURANCE GUARANTY ASSOCIATION, INC. v. DEVON NEIGHBORHOOD ASSOCIATION, INC. d b a A- J, 67 So. 3d 187 (Fla. 2011)

. . . See, e.g., § 627.4025, Fla. . . .

EL- AD ENCLAVE AT MIRAMAR CONDOMINIUM ASSOCIATION, INC. v. MT. HAWLEY INSURANCE COMPANY,, 752 F. Supp. 2d 1282 (S.D. Fla. 2010)

. . . other provisions of this section or of other law, but only as to hurricane coverage as defined in s. 627.4025 . . . It should be noted that § 627.701(8) applies "only as to hurricane coverage as defined in § 627.4025, . . . See §§ 627.701(8), 627.4025(2)(a). . . .

FLORIDA INSURANCE GUARANTY ASSOCIATION, INC. v. DEVON NEIGHBORHOOD ASSOCIATION INC. d b a A- J, 33 So. 3d 48 (Fla. Dist. Ct. App. 2009)

. . . See § 627.4025, Fla. Stat. (2005). . . .

FLORIDA WINDSTORM UNDERWRITING, v. GAJWANI,, 934 So. 2d 501 (Fla. Dist. Ct. App. 2005)

. . . In fact, 627.4025(2)(a), Florida Statutes (2004) seems to contemplate a wind-driven rain exclusion, by . . .