Starts From the Declarations Page You Already Have
Your current declarations page shows the limits, the deductibles and the dollar amount of your hurricane deductible, which Florida law requires the insurer to print there. The comparison starts there, so every quote that comes back is measured against the coverage you carry today rather than a blank form.
Puts Your Wind Features to Work
Florida rate filings must include credits for features that reduce windstorm loss, such as roof-to-wall strength and opening protection, under s. 627.0629, Fla. Stat.. A current wind mitigation report is how a house gets those features on file, so it travels with your request to every company asked to quote. The insurer must also offer hurricane deductible choices before it issues a policy; the hurricane deductibles guide explains them.
Answers a Citizens Take-Out Letter Before the Deadline
If a Citizens policyholder gets a take-out offer, Citizens asks for a choice by the date printed on the Offer Form. When no choice is registered by then, Citizens assigns the policy to the company that offered the lowest estimated premium, and once an assumption happens the transfer is final. Matt or a licensed agent on his team can compare the offer with other companies while there is still time to choose. The Citizens guide covers the 20 percent rule.
Raises Flood Before a Storm Does
FEMA says most homeowners insurance does not cover flood damage. So every home quote here includes the flood question: the address is checked on the FEMA Flood Map Service Center, and the usual waiting period is planned for when a policy has to start by a certain date.
Quotes Second Homes as Second Homes
A home lived in part of the year is written differently from a full-time residence, so the first call asks how the Port St. Lucie home is used and who looks after it while you are away. The second home page explains what carriers want to know.