Notes
Florida rules
Notes explaining a Florida rule rather than a product: PIP, hurricane deductibles, filings and the deadlines attached to them.
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Your hurricane deductible is a percentage, not a number
It is the figure most Southwest Florida homeowners have never worked out, and it is the one that decides what a storm actually costs you.
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Flood is a separate policy, and here that matters
Every standard Florida home policy excludes flood. In two counties shaped by water, that is the exclusion worth understanding first.
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The four-point inspection, and why a carrier asks for one
Roof, electrical, plumbing, heating and cooling. Four systems, one visit, and the reason an older Florida home is quoted the way it is.
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The NFIP renewal date, and what a lapse would do
The National Flood Insurance Program runs on an authorisation that Congress has to renew. If it lapses, new policies stop and closings stall.
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Citizens is shrinking, on purpose
Florida wants its insurer of last resort to be smaller, and the policy count has fallen hard. Here is what that means if you are one…
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No, Florida did not repeal PIP
A bill to end no-fault was filed and died in committee. The requirement is unchanged, and a good deal of confident writing online says otherwise.
Speak with someone who will still be here at renewal.
(239) 544-0950