April 2026

Florida Homeowners Are Facing $10,000 Deductibles. Here Is Why Many Florida homeowners are surprised to learn that their deductible is not a fixed dollar amount. Instead, most policies include a percentage-based hurricane deductible. This means the deductible is calculated as a percentage of the insured value of the home. For a property insured at $500,000 with a two percent deductible, the...

The Cheap Policy Trap: Why Saving $800 Could Cost You $80,000 Most homeowners believe they are protected simply because they have an insurance policy in place. In reality, many policies are structured in ways that significantly limit what is paid during a claim. The result is that homeowners often discover coverage gaps only after damage has already occurred. Actual Cash Value vs. Replacement...

Vacant Homes Are a Target and Your Insurance May Not Cover the Damage An empty home creates a different level of risk that many homeowners do not fully understand. In Florida, this situation is common with second homes, renovations, and properties between tenants. Most policies define a home as vacant after a period of time without regular occupancy, often around 30 to 60 days. Once a home is...

You Filed One Claim and Now You Are a High RiskHomeowner You Filed One Claim and Now You Are a High Risk Homeowner Most people believe insurance works in a simple way. You pay your premium, something happens, you file a claim, and the policy responds. What they do not understand is what happens after the claim is closed. In today’s market, especially in Florida, a single claim can change how...