Helpful Links:
Tips to Avoid Buying a Flood-Damaged Car:
Hurricane Deductible Assistance: https://www.floridadisaster.org/news-media/news/20221022--governor-ron-desantis-announces-support-for-ian-impacted-homeowners-insurance-deductibles/#:~:text=Today%2C%20Governor%20Ron%20DeSantis%20announced,the%20six%20hardest%20hit%20counties.
Disaster Supply Kit: https://www.floridadisaster.org/planprepare/hurricane-supply-checklist/
Disaster Assistance: https://www.disasterassistance.gov/
Blue Roof Program: https://www.usace.army.mil/Missions/Emergency-Operations/Blue-Roof-Information/
Red Cross Disaster Relief: https://www.redcross.org/get-help.html
Plan, Prepare, Protect - Are You Disaster Ready? : https://myfloridacfo.com/division/ica/planprepareprotect
HOMEOWNERS
Q: Why is the Dwelling Coverage on my homeowners policy lower than the amount I purchased my home for?
A:The Dwelling Coverage is the calculated amount it would cost in LABOR and MATERIALS to rebuild your home in the case of a complete loss. It takes into consideration the home's square footage, building materials, shape, stories etc, but does not factor in things usually calculated in a home's purchase price, like a nice view, gated community and a good school district. We always insure your home at the full Replacement Cost.
Q: I just got a new roof - will I get a discount on home homeowners insurance?
A: you will need a new wind mitigation inspection to get credits for your new roof. A wind mitigation inspects the roof material and how the roof is strapped to your home. The cost of a wind mitigation is approximately $125, but the inspection is good for 5 years and has the potential to save you a lot on your premium.
Q: I just got hurricane impact windows - can I get a credit on my homeowners insurance?
A: you will need a wind mitigation inspection to get credits for Opening Protection. Please be aware that all doors/windows/skykights/garage door need to be hurricane impact resistant or have eligible hurricane shutters in order to get the credit. The cost of a wind mitigation is approximately $125, but the inspection is good for 5 years and has the potential to save you a lot on your premium.
Q: What kind of inspections do I need for homeowners insurance?
A: a) 4 Point Inspection: depending on the insurance company, you will need a 4 point inspection if your home is over 20 years old (some carriers only require them if the home is over 40 years old). The 4 point inspection determines eligibility for insurance and inspects your electrical system, HVAC, plumbing and roof. The cost of a 4 point inspection is approximately $125 and the inspection is good for 1 year.
b) Wind Mitigation: The wind mitigation inspection lists your roof material and how the roof attached to your home. It also lists if your doors and windows are hurricane impact resistant or have qualifying shutters. The purpose of the wind mitigation is to get credits toward your insurance premium. The cost of a wind mitigation is approximately $125, but the inspection is good for 5 years and has the potential to save you a lot on your premium.
c) Post-Claim Inspection: if you have had a claim in the past 5 years and you do not have photos and paid receipts from a licensed contractor who performed the repairs, you will need a Post-Claim Inspection. The post claim inspection will certify that satisfactory repairs have been made and there is no existing damage to your home. The cost of a post-claim inspection is $149.
FLOOD
Q: I have homeowners insurance. Why do I need a separate flood policy?
A:Whereas most homeowners insurance policies cover water damage from occurrences inside your home like a burst pipe or appliance leaks, they do not cover flood damage. Flood insurance is defined as insurance against damage from rising waters outside your home, like storm surge.
Q: I am not in a flood zone, can I get flood insurance?
A: yes, you can get flood insurance even if you are not in a designated flood zone - and your premium will be lower than if you were in a flood zone!
Q: I am in a flood zone - do I have to have flood insurance? And what is required for me to get flood insurance?
A: If you have a mortgage, your mortgage company is going to want you to have flood insurance. If you do not have a mortgage, you don't have to have flood insurance (however at least one homeowners insurance company requires that you have flood insurance if they are to insure your home).
AUTO
Q: As a new Florida resident, how long do I have before I need to register and insure my car in Florida?
A: As a new Florida resident, you must obtain a valid Florida driver license within 30 days of establishing residency to drive on Florida roads. In addition, you must obtain insurance from a Florida insurance agent who is licensed to sell insurance in Florida in order to title and register your vehicle(s), vessel(s), and mobile home(s) within 10 days of establishing residency.
UMBRELLA
Q: What is required for me to get an umbrella policy?
A: For umbrella, you need to have Bodily Injury Coverage on your auto insurance policy of 250000/500000 and Personal Liability on your homeowners insurance of $300,000 for you to qualify for an umbrella policy.
The Payments and Claims sections have been moved to our other site.
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