South Florida
Property & Casualty Insurance in South Florida
Homeowners, windstorm, flood, auto and commercial coverage — placed in a market where what was available last year may not be this year.
What this covers
- Homeowners and condo policies
- Windstorm and hurricane coverage
- Flood insurance
- Auto and umbrella
- Commercial property and general liability
Before you hire
Ask this of anyone you are considering for the work — including someone who is not a LEO member:
- What is my hurricane deductible in dollars, not percent?
- Is flood covered, and if not, what would it cost?
- How does my roof's age affect eligibility at renewal?
What's different in South Florida
South Florida property insurance moves faster than almost any other line in the country. Carriers enter and leave, deductibles are written as a percentage of the insured value rather than a flat figure, and flood is nearly always a separate policy from the one you think covers water. Roof age drives eligibility more than almost anything else — many carriers simply will not write a roof past a certain year. Review annually, and read the wind deductible before you need it.
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