Written at the desk · Southwest Florida
Notes
Plain explanations of the coverage questions our offices are actually asked. Wind against flood, what a hurricane deductible really costs, and where a personal policy stops covering a working truck. Written by the licensed agents who answer the telephone.
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Driving for an app, on a policy that excludes it
Most personal auto policies exclude driving for hire, and the cover the app provides has gaps at both ends of a trip.
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Roof age, and what a carrier does with it
In Florida the age of your roof decides more about your premium, and about whether you can buy a policy at all, than almost anything else…
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A takeout letter from Citizens, and what to do with it
If you are with Citizens, a private carrier may offer to take your policy over. Whether to let them is a real decision, and the deadline…
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Replacement cost or actual cash value, on a roof
Two policies can carry the same limit and settle a roof claim tens of thousands of dollars apart. The clause that decides it is one line…
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The certificate a contract asks for
A certificate of insurance proves cover existed on the day it was issued and nothing more. Knowing what it is not is what keeps a job…
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When Florida requires workers compensation
The threshold is different for construction than for everything else, and the difference catches small trades every year.
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What business interruption pays after a storm
The coverage replaces income you would have earned. What trips people up is the trigger, the waiting period, and what happens when the building is fine…
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Agreed value or actual cash value, on a hull
On an older boat the difference between these two is most of a total loss. It is one line on the declarations page and it is…
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Navigational limits, and the day you cross one
Every boat policy draws a boundary on a map. Most owners have never looked at theirs, and the first time it matters is the worst time…
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Towing is not salvage, and the bill is not the same
A tow home when the engine quits and a salvage operation after a storm are different services with very different price tags, and policies treat them…
Speak with someone who will still be here at renewal.
(239) 544-0950