This program is very popular for homeowners looking to replace their roof or getting hurricane impact windows and doors. Please contact us before going ahead with any updates to make sure the updates will save you money on your insurance, which is ultimately what will get you the reimbursement from the program.

(As an example, if you already have an Opening Protection credit from your hurricane shutters, getting impact windows will not make a difference in your premium and will not qualify you for the grant).

The Dwelling Coverage is the calculated amount it would cost in labor and materials to rebuild your home in case of a total loss. It takes into consideration the home's square footage, building materials, shape, stories etc, but does not factor in things usually calculated in a home's sales price, like a lake view, gated community and a good school district. We always insure your home at the full Replacement Cost.

You will need a new wind mitigation inspection to get credits for your new roof. A wind mitigation inspection lists the roof material and examines how the roof is strapped to your home. The cost of a wind mitigation is approximately $125, but the inspection is good for 5 years and has the potential to save you a lot on your premium.

You will need a wind mitigation inspection to get credits for Opening Protection. Please be aware that all doors/windows/skylights/garage door need to be hurricane impact resistant - or have eligible hurricane shutters - in order to get the credit. The cost of a wind mitigation is approximately $125, but is good for 5 years and has the potential to save you a lot on your premium.

1) 4 Point Inspection: depending on the insurance company, you will need a 4 point inspection if your home is over 20 years old. The 4 point inspection determines eligibility for insurance and inspects your electrical system, HVAC, plumbing and roof. The cost of a 4 point inspection is approximately $125 and is only good for 1 year. A 4 point inspection does not give you credits on your premium.

2) Wind Mitigation Inspection: the wind mitigation lists your roof material and how the roof is strapped to your house. It also lists if your doors and windows are hurricane impact resistant or have qualifying shutters. A wind mitigation is not mandatory, but has the potential to save you a lot on your premium. The inspection is good for 5 years, and costs approximately $125.

3) Post-Claim Inspection: if you have had a claim in the last 5 years and you do not have photos and paid receipts from a licensed contractor who performed the repairs, you will need a post-claim inspection. The post-claim inspection will certify that satisfactory repairs have been made and there is no existing damage to your home. The cost of a post-claim inspection is $149.

Whereas most homeowners insurance policies cover water damage inside your home, like a burst pipe or appliance leaks, they do not cover flood damage. Flood insurance is defined as insurance against damage from rising waters outside your home, like storm surge.

A new law passed a couple of years ago made it mandatory for people insured with Citizens to carry separate flood insurance. This is mandatory only for people who have wind/hurricane coverage on their policy.

• People in flood zones needed to have flood insurance in place starting in 2023
• People with Dwelling Coverage over $600,000 need to have flood insurance starting in 2024.
• People with Dwelling Coverage over $500,000 need to have flood insurance starting in 2025.
• People with Dwelling Coverage over $400,000 need to have flood insurance starting in 2026.
• Effective January of 2027, all homes, regardless of value, will need to have flood insurance.

Yes, you can get flood insurance even if you are not in a designated flood zone - and your premium will be lower than if you were in a flood zone!

If you have a mortgage, your mortgage company will require you to have flood insurance. 

If you do not have a mortgage, you don't have to have flood insurance (though your insurance company may require it).

As a new Florida resident, you must obtain a valid Florida drivers license within 30 days of establishing residency to drive on Florida roads. 

In addition, you must obtain insurance from an insurance agent, who is licensed to sell insurance in Florida in order to title and register your vehicle(s), vessel(s) and mobile homes(s) within 10 days of establishing residency.

For umbrella, you need to have Bodily Injury coverage on your auto insurance policy of 250,000/500,000 and Personal  Liability on your homeowners insurance of $300,000 for you to qualify for an umbrella policy with most carriers.