What is a “Wind/hail exclusion” and why should I care?
Any American Strategic Insurance policy of type DP3 written before February 22, 2005 contains a provision in the “Special Provisions for Florida” excluding coverage for wind or hail damage to screen enclosures, awnings, satellite dishes, antennas, and any structure not attached to the dwelling. Hail storms and tornados are frequent in Florida during the months of March and April, and we are subject to hurricanes during the late summer months. These are examples of wind/hail events that would trigger this exclusion, potentially leaving you with a very large out of pocket expense. However, any damage to a screen enclosure caused by wind or hail would be subject to this exclusion. ASI has introduced an Endorsement to add wind/hail coverage to the DP3 policy for screen enclosures and carports, up to $10,000. For any policy written before February 22, 2005, you must request that this coverage be added to your policy. You can make this request by clicking on the ASI Screen Endorsement tab at
