What Your Florida Homeowner's Insurance Won't Cover This Hurricane Season

Most Florida homeowners assume they're covered. They're not. Here's the gap in your policy that could cost you $35,000 — and the only solution designed to close it.

You Have Insurance. You Think You're Protected.

Every year, Florida homeowners spend hundreds — sometimes thousands — on homeowner's insurance. They renew on time, pay their premiums, and trust that when a hurricane hits, they're covered.

Then the storm comes. Water forces its way through the tracks of their sliding glass doors. And when they file a claim, they get the same answer from Citizens Insurance Corp., private carriers, and every major Florida insurer:

Not covered.

The Coverage Gap Nobody Talks About

Water intrusion through sliding glass door tracks is one of the most common causes of hurricane damage in Florida condos and homes — responsible for over 80% of condo storm damage claims. Yet it is explicitly excluded from all major Florida insurance policies.

It's also not covered under any window or door manufacturer warranty. Not Andersen. Not PGT. Not anyone. The tracks of your sliding glass door are a no-man's-land when it comes to storm protection coverage.

Why? Because insurers classify it as a maintenance issue, not storm damage. The argument is that properly installed, properly maintained sliding glass doors should not allow water intrusion. The reality is that during a hurricane, storm-force wind-driven rain creates pressure differentials that force water through any track gap — regardless of how well-maintained the door is.

When that happens, you pay — completely out of pocket.

And Florida homeowners already pay the highest insurance premiums in the country — 4x the national average. When a coverage gap hits, there is no safety net.

Why Sliding Glass Door Tracks Are Your #1 Vulnerability

Florida homes and condos — especially coastal properties — are built with sliding glass doors by design. The views, the airflow, the indoor-outdoor lifestyle. But those same doors create a structural vulnerability that standard hurricane preparation doesn't address.

Impact glass protects against wind and debris. Storm panels cover the surface. But the track — the bottom channel where the door slides — remains completely exposed to wind-driven rain. During a hurricane, water doesn't need to break through the glass. It travels horizontally along the track and pours straight into your home.

This is the gap that insurers won't cover, manufacturers won't fix, and standard storm prep doesn't solve.

The Only Solution Designed for This Problem

StormArmour® was built specifically to close this gap. It's the only tested and proven device designed to block water intrusion at the sliding glass door track level — where every other form of storm protection fails.

✔ Blocks up to 99% of water intrusion

Tested under real storm-force water pressure conditions — not just lab simulations.

✔ Miami-Dade NOA Approved

Meets the most stringent building code standards in the country for hurricane protection.

✔ No tools. No contractor.

Installs in minutes. Any homeowner can do it before a storm.

✔ Reusable season after season

One investment that protects your home year after year — not a disposable fix.

✔ Recognized statewide

Included in Florida's statewide emergency preparedness plan as a top solution for residential storm protection.

Read Your Policy. Then Close the Gap.

Pull out your homeowner's insurance policy today — Citizens or private — and look for language around "water intrusion," "flood damage," and "sliding door exclusions." What you'll find will surprise you.

Then ask yourself: if a storm hits tonight, and water pours through my sliding glass door tracks, who pays for it?

Right now, the answer is you. StormArmour® changes that.

Don't Let the Gap in Your Policy Become a Hole in Your Floor.

StormArmour® is available now online and at The Home Depot. Hurricane season peaks in September — protect your home before the rush.

→ Shop StormArmour® Now — stormarmour.com