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Your Quick Guide to Florida Insurance Laws

Posted on November 15, 2019 by djforman in Auto Insurance, Auto Insurance, Car Insurance, Car Insurance, Flood Insurance, Flood Insurance, Homeowners Insurance, Homeowners Insurance, Personal Lines with No comments

Settling down in the Sunshine State?

Florida remains one of the most popular states in the country, with roughly 900 people moving to the state every day. That’s 330,605 new residents each year! And frankly, with year-round sunshine, warm temperatures, beautiful sandy beaches, and countless things to do, who can blame them?

But if you’re planning on joining us in this wonderful state, you’ll need to know more than what hours Disney is open. Here are some of the things you need to know about Florida insurance laws.

Keep reading our guide so that you’re prepared for your big move.
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Do I Need Flood Insurance? (In short: yes!)

Does My Homeowner’s Policy Cover a Flood?

Posted on March 8, 2017 by Jason Levine in Flood Insurance, Homeowners Insurance with No comments

Whether it’s mortgages or storm damage, it’s never a good thing when your home is underwater. But how can you make sure that your property will be protected when the next Big Storm strikes?

If Harvey and Katrina have taught Americans anything, it’s that flood insurance can make or break your cleanup efforts after a catastrophic incident. You may have even seen the ads on TV warning you against relying solely on your homeowners policy for flood coverage.

“Yeah,” you might be asking. “It’s nice to have. But do I need flood insurance?”

 

Yes. You Do Need Flood Insurance.

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What is Water Back-Up and Sump Overflow coverage?

Posted on August 5, 2014 by Jason Levine in Coverages, Flood Insurance, Homeowners Insurance, Personal Lines with No comments

Water Back-Up and Sump Overflow coverage

 

 

 

 

Q.  What is water back-up coverage?

A.  Water Back-Up and Sump Overflow coverage protects against water intrusion in the event that public utilities and/or septic systems become inundated and reverse course.  This type of coverage became very common after the 2004 hurricane season during which storm drains could not handle the amount of rain water inundating them.  This coverage is separate from flood insurance and most homeowner insurance already covers water damage from roof leaks/burst pipes/certain other causes.  Simply put, if your toilets and/or sinks began overflowing into your home due to reasons outside of the home (not a hairball in the P-Trap or tree roots in the main drain) this coverage may apply. If you are not sure if your policy has Water Back-Up and Sump Overflow coverage call your agent.