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.
-
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…
-
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…
-
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…
-
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…
-
When Florida requires workers compensation
The threshold is different for construction than for everything else, and the difference catches small trades every year.
-
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…
-
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…
-
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…
-
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…
-
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.
Speak with someone who will still be here at renewal.
(239) 544-0950