{"id":14457,"date":"2026-06-01T06:00:32","date_gmt":"2026-06-01T10:00:32","guid":{"rendered":"https:\/\/www.greatflorida.com\/blog\/?p=14457"},"modified":"2026-06-01T08:00:08","modified_gmt":"2026-06-01T12:00:08","slug":"auto-draft-3","status":"publish","type":"post","link":"https:\/\/www.greatflorida.com\/blog\/2026\/auto-draft-3\/","title":{"rendered":"Florida Hurricane Season 2026: What Your Homeowners Insurance Actually Covers (and What It Doesn&#8217;t)"},"content":{"rendered":"<p>Florida homeowners know hurricane season is more than just a weather event \u2014 it\u2019s a financial risk that can impact homes, families, and entire communities. As the<a href=\"https:\/\/www.noaa.gov\/media-advisory\/noaa-to-announce-2026-atlantic-hurricane-season-outlook\" rel=\"nofollow noopener\" target=\"_blank\"> 2026 hurricane season<\/a> approaches, many residents are reviewing <a href=\"https:\/\/www.redcross.org\/local\/florida\/south-florida\/about-us\/news-and-events\/news\/preparing-for-the-2025-hurricane-season0.html?srsltid=AfmBOooTBd1Oc5kbfOM92g9XMKgyKC6Oy7IyTQs0o5H9Gtg-SOK21oqB\" rel=\"nofollow noopener\" target=\"_blank\">emergency supplies<\/a>, storm shutters, and evacuation plans. But one of the most important preparations often gets overlooked: understanding exactly what your <a href=\"https:\/\/www.greatflorida.com\/florida-homeowners-insurance\">homeowners insurance<\/a> policy covers.<\/p>\n<p>Unfortunately, many Florida homeowners assume they are fully protected until they file a claim after a storm. That\u2019s when they discover that certain types of hurricane damage are excluded, limited, or subject to high deductibles.<\/p>\n<p>From flood damage exclusions to roof coverage limitations, there are several coverage gaps that surprise homeowners every year. Knowing how your policy works before a hurricane forms can help you avoid expensive mistakes and make better decisions about your protection.<\/p>\n<p>In this guide, we\u2019ll explain what <a href=\"https:\/\/www.greatflorida.com\/florida-homeowners-insurance\">homeowners insurance<\/a> in Florida typically covers during hurricane season, the most common exclusions, and the additional coverages many homeowners should consider in 2026.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">What Homeowners Insurance Typically Covers During a Hurricane<\/h2>\n<p>A standard Florida homeowners insurance policy generally provides protection for certain types of hurricane-related damage, but coverage depends on the cause of the loss and the specific language in your policy.<\/p>\n<h3 class=\"wp-block-heading\">Wind Damage<\/h3>\n<p>Most homeowners insurance policies in Florida typically cover wind damage caused by hurricanes and tropical storms.<\/p>\n<p>This may include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Roof damage caused by high winds<\/li>\n<li>Broken windows<\/li>\n<li>Siding damage<\/li>\n<li>Damage from fallen trees<\/li>\n<li>Interior water damage caused by wind-created openings<\/li>\n<\/ul>\n<p>For example, if hurricane-force winds remove shingles from your roof and rain enters through the exposed area, your homeowners insurance policy may help pay for repairs.<\/p>\n<p>However, coverage is not unlimited. Insurance companies may apply exclusions, limitations, or special deductibles depending on the age of the roof, prior claims history, or policy endorsements.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Dwelling Coverage<\/h3>\n<p>Dwelling coverage protects the physical structure of your home.<\/p>\n<p>This often includes:<\/p>\n<ul class=\"wp-block-list\">\n<li>Walls<\/li>\n<li>Roofing systems<\/li>\n<li>Flooring<\/li>\n<li>Electrical systems<\/li>\n<li>Plumbing<\/li>\n<li>Attached garages<\/li>\n<li>Built-in appliances<\/li>\n<\/ul>\n<p>If your home suffers covered hurricane damage, dwelling coverage may help pay to repair or rebuild the structure up to your policy limits.<\/p>\n<p>One major issue for Florida homeowners in 2026 is rising construction costs. Labor shortages, inflation, and material costs have increased rebuilding expenses significantly in recent years.<\/p>\n<p>If your home is underinsured, your policy may not fully cover the cost to rebuild after a major storm.<\/p>\n<p>That\u2019s why many insurance professionals recommend reviewing dwelling limits annually.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Personal Property Coverage<\/h3>\n<p>Homeowners insurance also typically includes personal <a href=\"https:\/\/www.greatflorida.com\/florida-commercial-property-insurance\">property coverage<\/a> for belongings damaged by a covered peril.<\/p>\n<p>This may include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Furniture<\/li>\n<li>Clothing<\/li>\n<li>Electronics<\/li>\n<li>Kitchen appliances<\/li>\n<li>Home office equipment<\/li>\n<li>Televisions and computers<\/li>\n<\/ul>\n<p>Coverage limits apply, and some categories of property may have sublimits.<\/p>\n<p>For example:<\/p>\n<ul class=\"wp-block-list\">\n<li>Jewelry<\/li>\n<li>Watches<\/li>\n<li>Firearms<\/li>\n<li>Fine art<\/li>\n<li>Collectibles<\/li>\n<\/ul>\n<p>May require additional scheduled coverage for full protection.<\/p>\n<p>Creating a digital home inventory before hurricane season can help simplify the claims process and provide documentation if belongings are damaged or destroyed.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Additional Living Expenses (ALE)<\/h3>\n<p>If your home becomes uninhabitable after a covered hurricane loss, additional living expenses coverage may help pay for temporary costs while repairs are completed.<\/p>\n<p>This may include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Hotel stays<\/li>\n<li>Temporary rental housing<\/li>\n<li>Restaurant meals<\/li>\n<li>Laundry expenses<\/li>\n<li>Increased transportation costs<\/li>\n<\/ul>\n<p>Coverage limits and time restrictions vary by policy.<\/p>\n<p>After a widespread hurricane event in Florida, housing shortages can drive temporary living costs significantly higher, making this coverage especially important.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">The Coverage Gaps That Surprise Florida Homeowners<\/h2>\n<p>This is where many homeowners experience unpleasant surprises after a storm.<\/p>\n<p>While homeowners insurance may cover certain hurricane-related damage, several major risks are commonly excluded.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Flood Damage Is Typically NOT Covered<\/h2>\n<p>One of the biggest misconceptions among Florida homeowners is believing flood damage is covered under standard homeowners insurance.<\/p>\n<p>In most cases, it is not.<\/p>\n<p>This means damage caused by:<\/p>\n<ul class=\"wp-block-list\">\n<li>Storm surge<\/li>\n<li>Rising water<\/li>\n<li>Overflowing canals<\/li>\n<li>Flooded streets<\/li>\n<li>Water entering from ground level<\/li>\n<\/ul>\n<p>Is generally excluded from a standard homeowners policy.<\/p>\n<p>This distinction becomes critically important during hurricanes because storm surge and flooding often cause some of the most severe losses.<\/p>\n<h3 class=\"wp-block-heading\">Why This Matters in Florida<\/h3>\n<p>Many homeowners believe they only need flood insurance if they live in a high-risk flood zone. However, flooding can happen almost anywhere in Florida during a hurricane.<\/p>\n<p>Even homes outside designated flood zones may experience:<\/p>\n<ul class=\"wp-block-list\">\n<li>Flash flooding<\/li>\n<li>Drainage overflow<\/li>\n<li>Saturated ground conditions<\/li>\n<li>Stormwater intrusion<\/li>\n<\/ul>\n<p>To protect against flood losses, homeowners usually need separate flood insurance through:<\/p>\n<ul class=\"wp-block-list\">\n<li>The <a href=\"https:\/\/www.greatflorida.com\/florida-flood-insurance\">National Flood Insurance<\/a> Program (NFIP)<\/li>\n<li>A private flood insurance carrier<\/li>\n<\/ul>\n<p>Many homeowners only discover this gap after a hurricane damages their property.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Hurricane Deductibles Are Often Much Higher Than Expected<\/h2>\n<p>Another major surprise for Florida homeowners is the size of hurricane deductibles.<\/p>\n<p>Unlike standard deductibles that may be a flat amount such as $1,000 or $2,500, hurricane deductibles are often percentage-based.<\/p>\n<p>This percentage is calculated using the insured value of the home.<\/p>\n<h3 class=\"wp-block-heading\">Example of a Hurricane Deductible<\/h3>\n<p>If:<\/p>\n<ul class=\"wp-block-list\">\n<li>Your home is insured for $500,000<\/li>\n<li>Your hurricane deductible is 2%<\/li>\n<\/ul>\n<p>You could be responsible for the first $10,000 of covered hurricane damage before insurance begins paying.<\/p>\n<p>Some Florida policies may carry:<\/p>\n<ul class=\"wp-block-list\">\n<li>2% deductibles<\/li>\n<li>5% deductibles<\/li>\n<li>10% deductibles<\/li>\n<\/ul>\n<p>Higher deductibles can reduce premiums, but they also increase out-of-pocket costs after a storm.<\/p>\n<p>Homeowners should understand their deductible structure before hurricane season begins.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Roof Coverage Limitations Are Becoming More Common<\/h2>\n<p>Roof coverage has become one of the most important issues in Florida homeowners insurance.<\/p>\n<p>Because roof claims have contributed heavily to insurance losses in Florida, many insurers have added stricter roof limitations.<\/p>\n<p>Depending on the policy, homeowners may encounter:<\/p>\n<ul class=\"wp-block-list\">\n<li>Roof age restrictions<\/li>\n<li>Actual cash value settlements<\/li>\n<li>Depreciation schedules<\/li>\n<li>Cosmetic damage exclusions<\/li>\n<li>Reduced payouts for older roofs<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\">Replacement Cost vs. Actual Cash Value<\/h3>\n<p>This distinction matters significantly.<\/p>\n<p>Replacement cost coverage may pay to replace the roof with similar materials at today\u2019s prices.<\/p>\n<p>Actual cash value coverage factors in depreciation, which can substantially reduce claim payments.<\/p>\n<p>For example:<\/p>\n<ul class=\"wp-block-list\">\n<li>A 17-year-old roof may only qualify for partial reimbursement<\/li>\n<li>The homeowner may have to pay a large portion of replacement costs themselves<\/li>\n<\/ul>\n<p>Florida homeowners should review:<\/p>\n<ul class=\"wp-block-list\">\n<li>Roof endorsements<\/li>\n<li>Settlement methods<\/li>\n<li>Age-related restrictions<\/li>\n<\/ul>\n<p>Before hurricane season arrives.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Water Damage vs. Flood Damage Confusion<\/h2>\n<p>One of the most confusing aspects of homeowners insurance is understanding the difference between water damage and flood damage.<\/p>\n<p>The source of the water often determines whether the loss is covered.<\/p>\n<h3 class=\"wp-block-heading\">Typically Covered<\/h3>\n<p>Rain enters through:<\/p>\n<ul class=\"wp-block-list\">\n<li>A wind-damaged roof<\/li>\n<li>Broken windows<\/li>\n<li>Storm-created openings<\/li>\n<\/ul>\n<h3 class=\"wp-block-heading\">Typically Excluded<\/h3>\n<p>Water enters due to:<\/p>\n<ul class=\"wp-block-list\">\n<li>Storm surge<\/li>\n<li>Rising groundwater<\/li>\n<li>Flooded streets<\/li>\n<li>Overflowing bodies of water<\/li>\n<\/ul>\n<p>This distinction leads to many claim disputes after hurricanes.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Screen Enclosures, Pools, and Detached Structures May Have Limited Coverage<\/h2>\n<p>Florida homeowners are often surprised to learn that certain outdoor structures may have lower coverage limits or exclusions.<\/p>\n<p>This may include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Pool cages<\/li>\n<li>Screen enclosures<\/li>\n<li>Fences<\/li>\n<li>Detached sheds<\/li>\n<li>Docks<\/li>\n<li>Landscaping<\/li>\n<\/ul>\n<p>These structures are highly vulnerable during hurricanes, particularly in coastal areas.<\/p>\n<p>Coverage for detached structures is usually limited to a percentage of the dwelling limit, and some items may have separate exclusions.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Ordinance or Law Coverage Is Often Overlooked<\/h2>\n<p>Many older Florida homes were built under outdated building codes.<\/p>\n<p>After a major hurricane, homeowners rebuilding damaged property may be required to meet current codes and regulations.<\/p>\n<p>This can create substantial additional costs.<\/p>\n<h3 class=\"wp-block-heading\">Ordinance or Law Coverage May Help Pay For:<\/h3>\n<ul class=\"wp-block-list\">\n<li>Electrical upgrades<\/li>\n<li>Structural code compliance<\/li>\n<li>Elevated construction requirements<\/li>\n<li>Demolition costs<\/li>\n<li>Rebuilding to updated standards<\/li>\n<\/ul>\n<p>Without this coverage, homeowners may face significant out-of-pocket expenses during reconstruction.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Sewer Backup and Drainage Issues<\/h2>\n<p>Heavy rainfall during hurricanes can overwhelm municipal drainage systems.<\/p>\n<p>This may lead to:<\/p>\n<ul class=\"wp-block-list\">\n<li>Sewer backups<\/li>\n<li>Drain overflow<\/li>\n<li>Water intrusion through plumbing systems<\/li>\n<\/ul>\n<p>Standard homeowners insurance may not automatically cover sewer backup losses.<\/p>\n<p>Many insurers offer optional endorsements that provide protection for:<\/p>\n<ul class=\"wp-block-list\">\n<li>Cleanup costs<\/li>\n<li>Flooring damage<\/li>\n<li>Drywall repairs<\/li>\n<li>Personal property damage<\/li>\n<\/ul>\n<p>This coverage is increasingly important in flood-prone Florida communities.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Why Florida Homeowners Should Review Their Policy Every Year<\/h2>\n<p>Florida\u2019s insurance market changes rapidly.<\/p>\n<p>Carriers frequently update:<\/p>\n<ul class=\"wp-block-list\">\n<li>Underwriting rules<\/li>\n<li>Roof restrictions<\/li>\n<li>Deductible structures<\/li>\n<li>Policy exclusions<\/li>\n<li>Coverage limits<\/li>\n<\/ul>\n<p>As a result, many homeowners are unaware that their coverage has changed until after a loss occurs.<\/p>\n<p>Before hurricane season 2026, homeowners should review:<\/p>\n<ul class=\"wp-block-list\">\n<li>Dwelling limits<\/li>\n<li>Hurricane deductibles<\/li>\n<li>Flood insurance status<\/li>\n<li>Roof settlement terms<\/li>\n<li>Additional living expense limits<\/li>\n<li>Personal property coverage<\/li>\n<li>Ordinance or law protection<\/li>\n<\/ul>\n<p>An annual insurance review can help identify gaps before they become expensive problems.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Important Coverage Options to Consider in 2026<\/h2>\n<p>Depending on your home and location, additional protection may be worth considering.<\/p>\n<h3 class=\"wp-block-heading\">Flood Insurance<\/h3>\n<p><a href=\"https:\/\/www.fema.gov\/flood-insurance\" rel=\"nofollow noopener\" target=\"_blank\">Flood insurance<\/a> remains one of the most important supplemental coverages for Florida homeowners.<\/p>\n<p>Even inland homes can flood during hurricanes and tropical storms.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Extended Replacement Cost Coverage<\/h3>\n<p>This optional coverage may provide additional protection if rebuilding costs exceed dwelling limits after a widespread disaster.<\/p>\n<p>Construction inflation following hurricanes can drive repair costs much higher than expected.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Scheduled Personal Property Coverage<\/h3>\n<p>High-value items may require separate endorsements for full protection.<\/p>\n<p>This may include:<\/p>\n<ul class=\"wp-block-list\">\n<li>Jewelry<\/li>\n<li>Luxury watches<\/li>\n<li>Art collections<\/li>\n<li>Firearms<\/li>\n<li>Electronics<\/li>\n<\/ul>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Water Backup Coverage<\/h3>\n<p>Water backup endorsements can provide valuable protection against drainage and sewer-related losses during severe storms.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Tips for Preparing Before Hurricane Season 2026<\/h2>\n<p>Insurance is only one part of hurricane preparedness.<\/p>\n<p>Florida homeowners should also take proactive steps to protect their property and simplify the claims process.<\/p>\n<h3 class=\"wp-block-heading\">Document Your Home<\/h3>\n<p>Take updated:<\/p>\n<ul class=\"wp-block-list\">\n<li>Photos<\/li>\n<li>Videos<\/li>\n<li>Inventory lists<\/li>\n<\/ul>\n<p>Of your home and belongings before hurricane season.<\/p>\n<p>Store copies digitally.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Understand Your Deductibles<\/h3>\n<p>Know:<\/p>\n<ul class=\"wp-block-list\">\n<li>Your hurricane deductible<\/li>\n<li>Your flood deductible<\/li>\n<li>Your potential out-of-pocket exposure<\/li>\n<\/ul>\n<p>Before a storm approaches.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Review Roof Coverage<\/h3>\n<p>Ask your <a href=\"https:\/\/www.greatflorida.com\/florida-insurance-agent-search\">insurance agent<\/a>:<\/p>\n<ul class=\"wp-block-list\">\n<li>Is the roof covered at replacement cost?<\/li>\n<li>Is depreciation applied?<\/li>\n<li>Are there age limitations?<\/li>\n<\/ul>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Verify Coverage Limits<\/h3>\n<p>Make sure your dwelling coverage reflects current rebuilding costs in your area.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Don\u2019t Wait Until a Storm Is Forecasted<\/h3>\n<p>Insurance companies often restrict:<\/p>\n<ul class=\"wp-block-list\">\n<li>New policies<\/li>\n<li>Coverage changes<\/li>\n<li>Policy increases<\/li>\n<\/ul>\n<p>Once a tropical system enters the region.<\/p>\n<p>Preparing early matters.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Final Thoughts<\/h2>\n<p>Florida hurricane season creates serious risks for homeowners, but one of the biggest risks is misunderstanding your insurance coverage.<\/p>\n<p>Many homeowners assume their policy covers all hurricane-related damage, only to discover exclusions, deductibles, and limitations after filing a claim.<\/p>\n<p>Understanding:<\/p>\n<ul class=\"wp-block-list\">\n<li>What homeowners insurance covers<\/li>\n<li>What flood insurance covers<\/li>\n<li>How hurricane deductibles work<\/li>\n<li>Which coverage gaps may apply<\/li>\n<\/ul>\n<p>Can help you make informed decisions before the next storm threatens Florida.<\/p>\n<p>Reviewing your policy now may help protect both your home and your finances during hurricane season 2026.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n<h3 class=\"wp-block-heading\">Does homeowners insurance cover hurricane damage in Florida?<\/h3>\n<p>In many cases, homeowners insurance covers wind-related hurricane damage, subject to policy terms and deductibles.<\/p>\n<h3 class=\"wp-block-heading\">Does homeowners insurance cover flooding from hurricanes?<\/h3>\n<p>Typically no. Flood damage is generally excluded from standard homeowners insurance policies.<\/p>\n<h3 class=\"wp-block-heading\">What is a hurricane deductible?<\/h3>\n<p>A hurricane deductible is a separate deductible that applies specifically to hurricane claims and is often based on a percentage of the home\u2019s insured value.<\/p>\n<h3 class=\"wp-block-heading\">Is roof damage covered during a hurricane?<\/h3>\n<p>Roof damage is often covered, but policy limitations, depreciation, and roof age restrictions may apply.<\/p>\n<h3 class=\"wp-block-heading\">Do I need flood insurance if I\u2019m not in a flood zone?<\/h3>\n<p>Many Florida homeowners outside high-risk flood zones still purchase flood insurance because flooding can occur almost anywhere during major storms.<\/p>\n<h3 class=\"wp-block-heading\">Are screen enclosures covered by homeowners insurance?<\/h3>\n<p>Coverage may be limited depending on the policy and structure type.<\/p>\n<h3 class=\"wp-block-heading\">What does additional living expenses coverage pay for?<\/h3>\n<p>ALE coverage may help pay for temporary housing, meals, and other expenses if your home becomes uninhabitable after a covered loss.<\/p>\n<h3 class=\"wp-block-heading\">Does homeowners insurance cover storm surge?<\/h3>\n<p>No. Storm surge is generally considered flooding and usually requires separate flood insurance.<\/p>\n<h3 class=\"wp-block-heading\">Can I change my policy once a hurricane is approaching?<\/h3>\n<p>Insurance companies often place binding restrictions on policy changes once a storm is forecasted.<\/p>\n<h3 class=\"wp-block-heading\">How often should I review my homeowners insurance policy?<\/h3>\n<p>Florida homeowners should review their policies annually, especially before hurricane season.<\/p>\n<p>Contact <a href=\"https:\/\/www.greatflorida.com\/florida-homeowners-insurance\">GreatFlorida Insurance<\/a> if you need help navagating the right insurance policy for your home.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida homeowners know hurricane season is more than just a weather event \u2014 it\u2019s a financial risk that can impact homes, families, and entire communities. As the 2026 hurricane season approaches, many residents are reviewing emergency supplies, storm shutters, and evacuation plans. But one of the most important preparations often gets overlooked: understanding exactly what [&hellip;]<\/p>\n","protected":false},"author":1219,"featured_media":14464,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[5,30],"tags":[],"class_list":{"0":"post-14457","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-homeowners-insurance","8":"category-flood-insurance"},"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/14457","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/users\/1219"}],"replies":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/comments?post=14457"}],"version-history":[{"count":10,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/14457\/revisions"}],"predecessor-version":[{"id":14546,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/posts\/14457\/revisions\/14546"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media\/14464"}],"wp:attachment":[{"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/media?parent=14457"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/categories?post=14457"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.greatflorida.com\/blog\/wp-json\/wp\/v2\/tags?post=14457"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}