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 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...

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...

What is force-placed insurance?

Lender-placed (or force-placed) insurance is coverage that a mortgage lender or bank purchases for property to protect its interests when the homeowner fails to purchase this coverage. This often occurs during abandonment and foreclosure but can  also  occur if the ...

How much coverage do I need?

The insurance company and lender, if the property is mortgaged, will usually require that the property be insured at replacement cost. Replacement cost is the amount of money it would take to replace or rebuild your home with materials similar to the kind and quality...

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