As a Florida property owner, you’ve likely noticed changes in your home or flood insurance coverage. With the evolving landscape of insurance carriers and policies, staying informed is essential to protect your home and finances.
Whether you’ve experienced a policy shift due to depopulation rules, endorsement removals, or non-renewals, it’s critical to know what these changes mean for your coverage. To help you navigate these updates, we’ve put together a quick guide to ensure you stay on top of your insurance needs.
Key Areas to Review:
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Policy Coverage, Deductibles, and Endorsements:
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Has your hurricane deductible changed?
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Are important endorsements like flood or animal liability coverage included?
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Have your liability limits been adjusted?
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Are there any specialty endorsements (e.g., service lines, identity theft)?
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Potential Discounts and Savings:
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Have you applied for discounts like secure community, military, or senior benefits?
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Do you have proper documentation for roof replacements or permits?
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General Reminders:
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Update your mortgage and lender information regularly.
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Install our agency app to complete your home inventory and manage documents conveniently.
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Choose EFT payment plans to avoid accidental cancellations.
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Bottom Line:
It’s up to you to review your policy and renewal paperwork thoroughly. Insurance policies often include exclusions and conditions that are detailed in the policy jacket. Ignoring these changes could leave you unprotected when you need coverage the most.
We’re here to help! If you have questions or need assistance with your policy, schedule a meeting with one of our licensed agents today.
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Need to make updates to your policy? Email us at LENDERS@THEWELCHGROUP.NET or CERTIFICATES@THEWELCHGROUP.NET.
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Ready to explore new options? Schedule a policy review with us via Calendly.
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Stay organized: Download our agency app to streamline your insurance needs.
Let’s ensure your home is covered—whatever changes come your way.