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 Carriers have withdrawn.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
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓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 next.
Avoid these
Common mistakes
- XDiscussing insurance only at closing
- XAssuming prior premiums still apply
- XMissing the Citizens depopulation risk for buyers
No obligation. No fee unless recovery.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
For professionals
Other resources for professionals
Another guide for contractors, realtors, and property managers.
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Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓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 next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
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