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Wind and rain from Tropical Storm Fay continue to damage homes in Florida. The damage has people checking their insurance policies. Since the National Hurricane Center hasn’t upgraded Fay to a hurricane, regular deductible rates apply, not hurricane rates. Florida Insurance Commissioner Kevin McCarty said many people will actually pay less to have their homes repaired, unless they didn’t purchase flood insurance.

“Since it’s a tropical storm the traditional hurricane two deductible percent or five percent deductible doesn’t apply, so they’ll be applying the all other perils 500 dollar deductible. Right now most of the damage, obviously, will be damage from rising water. About 30 percent of Florida home owners have flood insurance and many of these areas affected are in flood zones and it’s fortunate that most of those policies will be covered with flood insurance,” said McCarty.

Commissioner McCarty is asking all Florida policyholders to review their insurance policies and call their agents if they have any questions.