Carol, Yeah Florida is a tough state. Pretty much the entire state is subject to the hurricane deductible. The business interruption deductible is typically 3 days so you would've had 4 days worth of business income coverage if you had sustained physical damage. There is a coverage offered for loss of utilities, generally with a 24 hour deductible but most agents don't even know about it so they don't sell it. It's not all that expensive, but expensive is a relative term. You might want to ask your agent to look into it.