Wind damage might not be covered in insurance policies in hurricane areas.

[genxlib]

6. This isn't some underhanded plot

It is common practice in Florida. Some policies include wind, some don't. When they don't, a second wind only policy is needed.

It isn't some dastardly plan. It is simply separating the responsibilities into the carriers willing to take on certain risks

For decades, the wind policies were impossible to get in certain areas so the state runs their own program.

Everyone here is aware of it. If you weren't, any competent insurance agent would advise you of it if for no other reason than to sell you the extra policy. Mortgages require it too.

It can be a terribly expensive but it isn't a surprise.