Don’t Be Misled by the Terminology: Tropical Cyclones Are All Dangerous
When it comes to protecting your property, don’t underestimate the threat simply because a storm isn’t classified as a hurricane. Both tropical storms and hurricanes are types of tropical cyclones — organized systems of clouds and thunderstorms that rotate over warm ocean waters. The only real difference lies in wind intensity:
- Tropical storms produce sustained winds between 39–73 mph
- Hurricanes begin at 74 mph, with categories increasing based on the Saffir-Simpson wind scale.
Though hurricanes dominate headlines, tropical storms can still inflict serious damage, especially in low-lying, flood-prone areas of Florida. With climate change fueling longer and more intense storm seasons, these systems are becoming more frequent, forming earlier, and lasting longer than in decades past.
Tropical Storms vs. Hurricanes: A Technical Breakdown
- Tropical Storm: Characterized by wind speeds of 39–73 mph, tropical storms can unleash relentless rain, flooding, and strong wind gusts. While sustained winds in this range typically don’t cause catastrophic structural damage, they can still down trees, damage fences, and rip shingles or soffits from roofs, particularly if the structures are aging or already compromised. In many cases, the water damage from flooding and prolonged rainfall is far more destructive than the wind itself.
- Hurricane: Once winds exceed 74 mph, the system is officially a hurricane. These storms are ranked from Category 1 to 5, based solely on wind speed, not on flood risk. Even a lower-category hurricane can cause significant destruction, especially if it moves slowly or dumps large volumes of rain over time.
Why Tropical Storms Shouldn’t Be Ignored
Homeowners often let their guard down when a system is “just” a tropical storm. That’s a critical mistake. Many of Florida’s costliest insurance claims have come from flooding, not high winds. Tropical storms can stall over an area, releasing several inches—or even feet—of rainfall in a short time. Streets, neighborhoods, and homes can be inundated within hours.
Also, keep in mind: storm timing is shifting. Florida’s official hurricane season spans June through November, but storms have increasingly formed outside of this window. In recent years, named storms have developed as early as May and as late as December. A storm doesn’t care whether the season has “officially” started.
Steps You Can Take Today
- Add Flood Insurance. Standard homeowners or hurricane insurance policies typically do not cover flood damage. You need a separate flood insurance policy, which usually carries a 30-day waiting period. Don’t wait until a storm is named.
- Inspect Your Property After Any Storm. Even if you don’t notice visible damage, schedule a professional inspection. Hidden issues—like roof leaks, damaged flashing, or water intrusion—can escalate and lead to mold, rot, or structural damage over time.
- Know What Your Policy Actually Covers. Ask your insurance agent specifically whether you’re covered for both wind and flood damage. Assumptions lead to costly surprises.
- Know Your Rights. If your insurance company denies, delays, or underpays your claim, you have legal options. Don’t face the claims process alone.
We Fight for Policyholders: Storm or No Storm
At Insurance Litigation Group, our experienced property claim attorneys represent Florida homeowners and business owners who have been shortchanged by their insurers. Whether you’re dealing with a named tropical storm, a Category 5 hurricane, or simply trying to prepare ahead of time, we’re here to help. Don’t wait until your home is under water or your roof is leaking to act. We’ve seen firsthand how destructive even “minor” storms can be and how critical early action is to a successful claim and swift recovery.
Need help after a storm? Call us at (888) 454-4254 for a free consultation and property inspection. Let ILG go to work for you, so you can focus on rebuilding, not battling your insurance company.
