Wind and Flood Insurance In FL
We are in the process of purchasing a condo in Florida and have been obtaining quotes from many insurance companies, getting different/ mixed messages and was hoping to clear things up.
The condo HOA has insurance that covers the exterior, so we just need to cover for the studs-in and contents. Some of the vendors are specifying that we need wind and Flood insurance. We aren't looking to pay for insurance if already covered.
Other Info:
The condo complex is raised (Stilted)
We have requested info from the HOA to see whats covered in the Master policy.
Scenario:
If we don't take this coverage (as its the master policy has wind and flood) and opt for the studs-in and contents only, would we be covered if say in a hurricane the slider glass got damaged by debris and the interior suffered damage, or if a flood affected our second floor unit, maybe even a wave?"