How does the Claims Process Work?

The first step in the claims process is to contact your insurance agent. If that is not feasible then you should contact your carrier directly. It is important to have these phone numbers in your important papers as more than likely there will be a loss of power, and...

What is the “My Safe Florida Home” Program

What is the My Safe Florida Home Program? The My Safe Florida Home Program was re-enacted in 2022. The program was created to strengthen Florida homes against hurricanes and save homeowners money. The program consists of two primary components: Wind mitigation home...

How are rates determined for wind Insurance?

Your home’s replacement cost is one of the driving forces behind your home insurance premium and the amount of coverage you receive. But the value of your home and its contents aren’t the only – or the most significant – factors that dictate how much you’ll pay every...

How are Rates determined for flood insurance?

The National Flood Insurance Program (NFIP) sets flood premiums based on a rating methodology called Risk Rating 2.0 “Equity in Action” (RR2.0). RR2.0 considers specific characteristics of a building – where the building is located, the type of construction and the...

What is a take-out offer?

Citizens created a “depopulation” program that works with private market insurance companies interested in offering coverage to Citizens’ policyholders. State-approved take-out companies can offer to assume your Citizens policy at any time during your policy period....

Where do i purchase wind or flood insurance?

Windstorm insurance can be purchased through your local insurance agent who represents multiple companies or through a captive insurance agent who is affiliated with one company such as State Farm Insurance. Either type of insurance agent will be able to inform you of...

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