Short answer. A Florida homeowners policy can carry a hurricane deductible that applies to hurricane losses, and a separate deductible for other perils. Section 627.4025 defines hurricane coverage as windstorm loss during a hurricane. It does not name gutters. Whether a carrier pays for a gutter is a question on that policy’s declarations page.
The statute defines hurricane coverage. It does not name a gutter.
Florida Statutes section 627.4025 says hurricane coverage is coverage for loss or damage caused by the peril of windstorm during a hurricane. Windstorm, for that paragraph, means wind, wind gusts, hail, rain, tornadoes, or cyclones caused by or resulting from a hurricane which result in direct physical loss or damage to property. The same section includes rain that enters after the wind first damages the building and opens it. The Florida Department of Financial Services repeats that definition and says hurricane coverage does not include flooding. None of that text names a gutter, a downspout, or a guard. A claim is decided on the policy and the loss, not on this page.
A hurricane deductible is a different number from the other-perils deductible.
Section 627.701 says a hurricane deductible applies solely to hurricane losses. Before issuing a personal-lines residential policy, the insurer must offer alternative deductible amounts for hurricane losses, including a flat amount and percentage amounts of the dwelling limit, on the terms the section states. The Department of Financial Services tells policyholders to read the dollar amount of that deductible on the declarations page. This article does not print a deductible amount. A summer thunderstorm that is not a hurricane is not, by itself, the hurricane deductible. The declarations page is where the peril and the deductible are named.
- Read the declarations page for the hurricane deductible and the other-perils deductible.
- Ask the insurer which peril the loss falls under.
- Keep photos of the gutter, the roof edge, and the ground before anything is removed.
- A gutter estimate is not a coverage decision.
The hurricane deductible can apply once in a calendar year with the same insurer group.
Section 627.701 says the hurricane deductible applies on an annual basis to covered hurricane losses during the calendar year under policies issued by the same insurer or an insurer in the same group. The Department of Financial Services explains that a later hurricane in that year can fall to the remaining deductible balance, or to the other-perils deductible once the hurricane deductible is met. Moving the policy to an insurer outside that group can start the deductible again. This page does not calculate a balance for a house.
What PrimeFlow can document is the gutter, not the claim.
After a storm, a site visit can record which runs pulled loose, which outlets split, and which downspouts left the wall. That record can go to the owner and, if the owner chooses, to the insurer. PrimeFlow does not adjust claims, does not say a policy pays, and does not repair roofing, fascia, soffit, or stucco. Those trades are coordinated when the written scope says so. Orlando requests use the Orlando repair page and (407) 902-7639. Sarasota requests use the Sarasota repair page and (941) 404-3901.
A checklist is not a claim form
The hurricane-season gutter checklist is a look at hangers, outlets, and downspouts before or after a storm. It is not a statement that the damage is covered.
The estimate prices the gutter work. It does not price the deductible.
A free estimate describes the gutter scope. It does not state what the carrier will allow, and it does not quote a deductible. Installation or repair is scheduled after a written scope and the required deposit, unless a written waiver says otherwise. PrimeFlow offers a 7-year workmanship warranty on its own installation. The written agreement states that warranty. The warranty is not an insurance payment.