Benefits of wind insurance - Florida condo?

[Chris Stratton]

Could anyone tell me what the advantages might be for wind insurance in Florida for Condos? Specifically, this is in regards to a rental (unfurnished) unit with tile floors. Honestly - if the wind broke the large window - not sure what of the condo might be damaged? As I understand it, the HOA covers the exterior, and other than some drywall - not sure what might be lost in a storm? Note - I grew up in Florida and have yet to have a wind related problem, but don't want to be ignorant of the risks.

[Chris Moxley]

I would think the exposure would be the building were to partially blow over or the roof blew up and dumped large amounts of water in the building.  The biggest exposure would be tornado's.  Bylaws and/or Covenants determine what your obligations are in regards to the interior of the buildings.