Tile roofs are vulnerable to wind driven rain.
Heavy rain and 50mph winds happen every summer in my part of Florida.
In my part of Florida, if you have a mortgage, you’ll contractually need basic homeowners, wind and flood policies.
Flood risk coverage has been separate since the federal government offered coverage.
Wind coverage became separate after Andrew. Many companies in Florida will refuse to sell you a basic homeowners policy unless you buy separate wind risk coverage too.