Pre-Loss Prep
Before the storm. Before the pipe bursts. Before the claim.
20 guides organized by what you need to do. Review, document, choose coverage, prepare, and decide.
20 pages in this collection
Annual Policy Review
4Read your policy before you need it. The annual review that catches gaps and saves claims.
Common Coverage Gaps in Florida Homeowners Policies
The coverage you probably think you have but may not. Screen enclosures, mold limits, replacement cost content, flood exclusion, and more.How to Read Your Florida Homeowners Policy
Your declarations page, your coverage sections, and your endorsements explained in the order you should read them.Replacement Cost Value vs Actual Cash Value
The difference that decides whether you get a new roof or the depreciated value of a 15-year-old roof.Your Annual Florida Policy Review Checklist
What to check every renewal so you catch coverage reductions, endorsement changes, and new exclusions.
Document Your Property
2The photos, inventory, and records that determine whether your contents claim is taken seriously.
Building a Defensible Home Inventory for Insurance
The inventory you wish you had when a claim happens. Brand, model, age, condition, value. Plus the storage strategy that makes it defensible.How to Document Your Florida Home Before a Claim
Every room, every elevation, every valuable item photographed and stored before anything happens. The single highest-ROI prep step.
Coverage Choices & Endorsements
6The optional coverages most Florida homeowners do not know they need until it is too late.
Additional Living Expense Coverage Explained
Hotel costs, meals above normal, storage, pet boarding, and mileage when your home is uninhabitable.Florida Hurricane Deductible Strategy
Hurricane, named storm, all-other-perils, sinkhole. Florida policies have multiple deductibles and strategic trade-offs.Florida Sinkhole Coverage: CGCC vs Non-Catastrophic Activity
Mandatory catastrophic ground cover collapse coverage versus optional non-catastrophic sinkhole activity. What your policy actually covers.Ordinance or Law Coverage: Code Upgrades Explained
When repairs require current code, you may owe more than replacement cost. Ordinance or law closes that gap.Pool Cage and Screen Enclosure Coverage in Florida
The sublimit on Coverage B that trips up many Florida homeowners when a tree falls or a hurricane hits.Understanding Separate Flood Insurance in Florida
Your homeowners does not cover flood. NFIP and private flood are the two paths. Waiting periods, coverage, and when you need it.
Hurricane & Disaster Prep
5Pre-storm prep, mitigation upgrades, and the inspections that earn premium credits.
Florida Four-Point Inspection for Older Homes
What it covers, when it is required, and how to pass. Essential for homes over 30 years in Florida.Florida Hurricane Season Preparation Checklist
Four weeks before season, one week before landfall, and 48 hours before impact. Complete preparation list.Florida Impact-Resistant Upgrades: Discounts and Protection
Impact windows, hurricane shutters, roof deck adhesive, and secondary water resistance reduce damage and generate premium credits.Florida Wind Mitigation Inspection Explained
What a wind mitigation inspection is, what features it credits, and how the report affects your premium. Required every 5 years in most Florida policies.Tree Risk Assessment for Florida Homeowners
Diseased trees, overhanging limbs, and shallow roots cause covered-but-preventable claims. Annual tree walk protects your home and your claim.
Filing & Representation Decisions
3Whether to file at all, who represents you, and the long-tail consequences of an AOB or small claim.
Assignment of Benefits (AOB) in Florida Explained
What AOB does, why Florida reformed it in 2019, and why you should not sign one without a cooling-off period.Public Adjuster vs. Independent Adjuster vs. Company Adjuster
Three titles, three allegiances. Who works for you, who works for the carrier, and how to tell.The True Cost of Filing Small Florida Claims
Filing a $3,000 claim can cost $5,000 over five years in lost discounts and premium increases. Know the math before you file.
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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
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