What wind and hail deductible should I expect in Florida?

Windstorm deductibles are commonly written as a percentage of the building value (2–5% typical). We can also quote deductible buyback options to reduce your out-of-pocket cost after a hurricane.

What information do you need to quote my Florida self storage facility?

An SOV (year built, square footage, number of buildings, construction, roof type/year, protection class), site address, security features (fencing, lighting, cameras, access control), prior carriers, 5-year loss runs, and photos/roof docs if available. We can help you build the SOV if you don’t have one.

Can you place coverage in coastal counties or near the beach?

Yes. Coastal risks may require specialized programs, higher wind deductibles, or underwriting credits (e.g., roof condition, tie-downs, updated openings). We routinely place coastal Florida facilities with national storage programs.

Does business income coverage apply if a hurricane shuts me down?

Business income/extra expense can replace lost rental income when a covered cause of loss (e.g., wind/hurricane) damages your property. Policies often include a waiting period; many owners choose 12–18 months of coverage to match repair timelines.

What’s the difference between Tenant Legal Liability and Customer Goods Legal Liability?

Tenant Legal Liability covers damage a tenant causes to your premises. Customer Goods Legal Liability addresses your legal responsibility for customers’ stored property when you’re found negligent. We can include both, plus sale & disposal liability where needed.

Will metal roofs or new roof coverings improve my insurance terms?

Often yes. Metal roofs and recently updated roof systems typically help with eligibility and pricing. Documentation like invoices, photos, permits, and inspections strengthens your submission and can expand carrier options.

Can I insure multiple Florida locations on one policy?

Yes. We can schedule multiple facilities on a single policy and explore blanket limits to simplify administration and potentially improve overall pricing.

Do you offer Ordinance or Law coverage for code upgrades?

We can include Coverage A (undamaged portion), B (demolition), and C (increased cost of construction) to address Florida building code compliance after a loss—especially important for older roofs and structures.

How can I lower my premium without sacrificing protection?

Improve roof condition, add/verify security (24/7 cameras, lighting, access control), maintain clear loss history, review values for accuracy, consider higher wind deductibles with a buyback, and bundle locations. We’ll shop every storage-focused program to find savings.

Why should I use Matt Mims Group instead of a local generalist agent?

Self storage is our focus. We access every major storage program (Old Republic, Ascot, SafePoint, Chubb, Lloyd’s, MiniCo, and more) and negotiate directly with underwriters to secure wind/hail terms and competitive pricing statewide. Start at https://www.mattmimsgroup.com/get-a-quote.

Self Storage Insurance in Florida – Protecting Your Facility from Wind, Hail, and Hurricanes

mattmims
Aug 27
4 min read

Self Storage Insurance Solution in Florida is with The Matt Mims Group

If you own a self-storage business in Florida, you already know how tough it can be to find affordable and comprehensive insurance. Between hurricanes, wind and hail risks, flooding, and rising property rates, storage owners are being squeezed by insurers that either refuse to write in Florida or load policies with exclusions.

The good news? At Matt Mims Group, we specialize in self storage insurance for Florida facility owners. We work directly with every major self storage insurance program and carrier in the country — including Old Republic, Ascot, SafePoint, Liberty Mutual, MiniCo, Chubb, Lloyd’s of London, and many more. That means we can fight for the best coverage and pricing, even in hard-to-insure coastal counties.

Why Self Storage Insurance is Different in Florida

Florida isn’t like other states. Facility owners face risks that most inland operators never worry about:

Wind & Hail – Hurricanes, tropical storms, and severe thunderstorms bring damaging winds every year. Carriers often impose high deductibles or exclusions unless you’re placed properly.
Roof Age Restrictions – Many insurers won’t cover older roofs. We help negotiate coverage for facilities with 15+ year roofs.
Flood Risk – Even if you’re not in a designated flood zone, Florida storms can create sudden flooding. We provide access to NFIP and private flood markets.
Liability Coverage – Customers expect safe premises. Slip-and-fall, security breaches, or tenant disputes can expose your business.
Business Income Coverage – If a storm damages your property and you can’t rent units, you’ll need protection for lost revenue.

Florida Self Storage Insurance Comparison

Coverage Type	Standard Property Policy	Specialized Self Storage Program (Matt Mims Group)
Wind & Hail	Often excluded or high deductible	Included, with deductible buyback options
Roof Age	Coverage limited if roof > 10–15 yrs	Negotiated acceptance for older roofs
Flood	Rarely included	Access to NFIP + private flood markets
Liability	General liability only	Self storage-specific liability (tenant & customer goods)
Business Income	Limited or excluded	Full coverage for lost rental income

What Does Florida Self Storage Insurance Cover?

A typical program through Matt Mims Group can include:

Property Coverage (buildings, fencing, gates, signage)
Wind and Hail (including deductible buyback options)
Hurricane and Catastrophe Protection
General Liability ($1M / $2M standard limits available)
Business Income/Extra Expense
Crime & Vandalism Coverage
Equipment Breakdown (gates, HVAC, elevators)
Tenant Legal Liability & Customer Goods Legal Liability

Real Results for Florida Facility Owners

📍 “I own a 65,000 sq. ft. storage facility near Orlando. My previous agent told me I couldn’t get wind coverage unless I replaced my roof. Matt Mims Group placed me with a national storage program, secured full wind coverage, and cut my deductible in half. They saved me over $12,000 per year.”— Jim R., Florida Storage Owner

Affordable Self Storage Insurance in Florida

Florida Insurance Market by the Numbers

Florida experienced over $116 billion in insured hurricane losses between 2017 and 2023.
Nearly 30 carriers have reduced or stopped writing property insurance in Florida since 2020.
The average commercial property premium in Florida 36% in 2023 alone.
rose

This is why working with a specialist broker is essential — most general agencies simply can’t find competitive self-storage programs in this environment.

Florida Cities We Serve

Whether you own one facility or a multi-location portfolio, we serve all of Florida, including:

Miami
Orlando
Tampa
Jacksonville
Fort Lauderdale
St. Petersburg
Naples
Tallahassee
Pensacola
Sarasota

If your facility is in a smaller city or a coastal county, we can still help.

Why Work With Matt Mims Group?

Independent brokerage — we work for you, not the carrier.
Direct access to every self storage insurance program in the U.S.
Specialized expertise — storage is our only focus.
Personal service — you’ll deal directly with an expert, not a call center.
Competitive quotes — we negotiate with underwriters to get you the pricing you need.

Get a Florida Self Storage Insurance Quote Today

Don’t leave your facility exposed to the next storm. Protect your investment, your tenants, and your income with the right insurance program.

👉 Request your quote now — it only takes a minute.

Frequently Asked Questions About Florida Self Storage Insurance

1. Can I get wind coverage in Florida if my roof is over 20 years old?Yes — while many carriers decline older roofs, we work with programs that accept roofs over 15–20 years old if they are in good condition with maintenance records.

2. How much does self storage insurance cost in Florida?Premiums vary by size, age of construction, location (coastal vs inland), and roof type. On average, facilities in Florida pay 20–40% more than the national average due to hurricane exposure.

3. Do I need flood insurance for my storage facility?If you’re in a designated flood zone, yes. Even outside zones, we often recommend flood coverage because storm surge and inland flooding are common in Florida.

4. What deductible should I expect for wind and hail?In Florida, wind deductibles are usually written as a percentage (2–5%) of building values. We offer deductible buyback options to lower out-of-pocket costs.

5. Why should I use Matt Mims Group instead of my local agent?Most local agents don’t have access to national self storage insurance programs. We do. That means more coverage options and better pricing tailored to storage businesses.