Questions About Florida Coverage

The property address, the roof’s installation year, and your current declarations page get a home quote started. A wind mitigation inspection form from the last five years helps, since carriers credit the features it documents. For auto, add each driver’s license number and each vehicle’s VIN. We ask for anything else as we go.

About one business day for most homes. Older roofs, oceanfront locations, and homes that need private flood can take longer, because some carriers want photos or an inspection before they price the risk. A licensed agent calls you to walk through the quotes once they are back, rather than emailing a stack of PDFs.

Yes, and flood coverage bought in connection with your mortgage closing takes effect at closing instead of after the usual 30-day NFIP wait. Send the contract, your closing date, and your lender’s contact, and we deliver the binder and proof of insurance to the lender before the date.

It is a percentage of your dwelling limit, usually 2%, 5%, or 10%, and it applies once per calendar year across all hurricanes. Its clock starts with the first hurricane warning posted anywhere in Florida. On a $400,000 home, 2% means you pay the first $8,000 of hurricane damage.

No. Flood is excluded from Florida homeowners policies and needs its own policy. NFIP coverage pays up to $250,000 for a house and $100,000 for belongings, and it generally starts 30 days after purchase. Private flood can carry higher limits and may add living expenses that the NFIP excludes.

Many standard forms cap theft of jewelry and watches at $1,500 per loss, for all pieces combined. A ring worth more than that should be scheduled, which lists it on the policy at its appraised value. Carriers writing their own Florida forms set different limits, so we check yours.

A Florida carrier cannot refuse to write or renew your policy solely because of roof age if the roof is under 15 years old. At 15 or older, you can get an inspection at your own cost, and a roof showing at least five years of remaining life cannot be refused on age alone.

An independent agency can price the same home across several A-rated carriers, laying out the differences in price, deductibles, and exclusions. A captive agent sells one company’s policies. When a carrier raises rates or leaves a Florida market, we can move your coverage to another carrier without you starting over.

Call your carrier’s claims line to open the claim, then call us. We help you document the damage and follow the claim through. Florida bars a new property claim reported more than a year after the loss, so report storm damage promptly, even when you are unsure of the amount.

Realtors and mortgage brokers send buyers to us through our referral partner page or by phone. We quote the home and flood coverage, deliver binders and proof of insurance to the lender, and keep the referring partner updated so the insurance piece is settled before closing day.