For Realtors
Helping Buyers Understand Florida Insurance
Post-Hurricane Ian, Florida insurance got harder and more expensive. What realtors should tell buyers about coverage, deductibles, and Citizens.
Post-Hurricane Ian, Florida insurance got harder and more expensive. What realtors should tell buyers about coverage, deductibles, and Citizens.
Context
Overview
Florida insurance premiums have risen dramatically since 2020. Carriers have withdrawn. Citizens is the insurer of last resort. Realtors who understand the landscape help buyers make informed offers and avoid closing surprises.
How it works
Workflow
- 01
Step 1
Discuss insurance early in the buyer consultation
- 02
Step 2
Refer to trusted Florida insurance brokers for quotes
- 03
Step 3
Explain hurricane deductible calculations
- 04
Step 4
Discuss Citizens eligibility and depopulation rules
- 05
Step 5
Budget insurance costs into buyer affordability analysis
Free claim review
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
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Avoid these
Common mistakes
- XDiscussing insurance only at closing
- XAssuming prior premiums still apply
- XMissing the Citizens depopulation risk for buyers
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
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Real Florida recoveries.
Help Center
Common problems answered.
For professionals
Other resources for professionals
Documenting Damage for Insurance Claims
Another guide for contractors, realtors, and property managers.
Xactimate Basics for Florida Contractors
Another guide for contractors, realtors, and property managers.
When Property Managers Should Bring in a Public Adjuster
Another guide for contractors, realtors, and property managers.
Supplemental Claims Process in Florida
Another guide for contractors, realtors, and property managers.
Navigating Home Sales with Open Insurance Claims
Another guide for contractors, realtors, and property managers.
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- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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