Question 1

Does my home insurance cover hurricanes and floods?

Accepted Answer

Standard home policies in Florida cover wind damage but do NOT cover flood — floods require a separate NFIP or private flood policy. We quote both together so you are truly protected. Hurricane deductibles also vary by carrier; we walk you through them.

Question 2

How old can my roof be for Florida home insurance?

Accepted Answer

Most Florida admitted-market carriers won't write a roof older than 15–20 years without a current 4-point and wind-mitigation inspection. Some surplus-lines carriers (Citizens, Slide, Kin) will write older roofs but at higher premiums. We help you choose which inspections to do and which carrier to apply with.

Question 3

Do I need a wind-mitigation inspection?

Accepted Answer

It's not legally required, but a passing wind-mitigation inspection can reduce the wind portion of your premium by 20–40% — often more than the inspection costs ($100–$200). For Miami-Dade homes built since 2002, the savings are usually substantial. We help schedule the inspection and apply the discount.

Question 4

How much does flood insurance cost in Miami?

Accepted Answer

It depends on the FEMA flood zone. Homes in low-risk Zone X often run $300–$700/year through NFIP; high-risk AE or VE zones can run $1,500–$4,000/year. Private flood markets (Neptune, Wright) often beat NFIP for newer construction. We quote both and show you which makes sense for your address.

Question 5

What should I do right after a car accident in Florida?

Accepted Answer

Get to safety, then: 1) call 911 if anyone is injured, 2) exchange driver's license, insurance, and contact info with the other driver, 3) photograph the scene, both vehicles, and any visible damage, 4) call us before calling the other driver's insurer — we'll guide the claim process and protect your interests. Florida is no-fault for medical bills (PIP), so your own insurer pays first regardless of fault.

Question 6

Will filing a claim raise my insurance rates?

Accepted Answer

It depends. Not-at-fault claims usually have minimal or no impact. At-fault claims typically raise your auto rates 20–40% for 3–5 years, but the increase varies by carrier. Home claims under $5,000 sometimes aren't worth filing once you factor in the rate impact. We'll run the math before you file so you make an informed decision.