Hurricane coverage that holds up when the season arrives
Wind, named storms, and deductibles are where Florida policies get complicated. We make sure the right coverage is in place before the cone shows up — and explain exactly how your deductibles work.
What's covered
What hurricane protection involves
Windstorm coverage
Damage from hurricane winds, tornadoes, and named storms.
Hurricane deductibles
Percentage deductibles explained in dollars, not fine print.
Roof & opening protection savings
Credits for shutters, impact glass, and modern roofs that cut premiums.
Additional living expenses
Somewhere to live if a storm makes your home unlivable.
Flood pairing important
Wind and water claims are handled separately — we make sure both sides are covered.
Business wind coverage ask us
Wind protection for commercial property, quoted on request.
Is this you?
Who needs a hurricane checkup?
Every Florida homeowner
If you own a roof on the First Coast, hurricane coverage isn't optional — the right structure is.
New construction buyers
Wind mitigation credits are real money; we make sure yours are documented and applied.
Owners with older roofs
Roof age drives eligibility and price — know where you stand before renewal.
Anyone unsure of their deductible
If you can't say your hurricane deductible in dollars, let's fix that today.
The Tidal Shield difference
A boutique agency in your corner
Nearly 20 years on the coast
Licensed since 2006 and writing coastal property coverage ever since — we know storm season because we live it.
Never answered by a robot
Call the office and a licensed person picks up — the same people who write and service your policy.
Carriers that compete for you
Independent means options. We quote multiple carriers and bundle home, auto, and flood where it saves you money.
High-value home specialists
Access to carriers built for the high-value and high-net-worth market, with limits standard policies can't reach.
Client reviews
The family of agencies, in clients' words
Tidal Shield is the newest member of the family. These are real, unedited Google reviews of our founding sister agency, Coastal Shield Insurance — written about the same people now serving the First Coast.
“I've dealt with hundreds of customer service reps over the decades and I can say without reservation that Anna is in the Top 1% of service. She exudes warmth and competence.”
Neil Cotiaux
“Absolutely thrilled with the service Anna provided for both our car and homeowners insurance. She went above and beyond for us and our savings was remarkable!”
Dawn DiBrino
“The best customer service! Day or night, weekday or weekend, you can count on this team! Very dependable and pleasant staff!”
Renee Turano
Get started
Let's find the right coverage
Tell us a little about what you need to protect. We shop multiple carriers, come back with plain-English options, and never hand you off to a call center.
Request a free quote
It takes about a minute — or import your current policy with Canopy Connect from the Contact page.
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