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Florida Flood Insurance
Flood insurance guidance for Florida buyers and homeowners — NFIP vs. private, Risk Rating 2.0 pricing, and where flood policies are required.
Florida Waterfront Home Due Diligence Checklist
Before you make an offer on a Florida waterfront home, you need to verify riparian or littoral rights in the deed, confirm the FEMA flood zone and get an Elevation Certificate, work out the true cost of wind and flood insurance, and check the seawall age and dock permits — every one of these can kill a deal or blow up a budget.
Assignment of Benefits in Florida: What Homeowners Need to Know After the Ban
Florida banned new assignment of benefits agreements in December 2022. SB-2A ended the contractor-led AOB model that drove a decade of insurance fraud. Here is what that means for your roof and water-damage claims today.
Buying a Waterfront Home in Florida: What to Check Before You Fall in Love
Waterfront is 20% of the price of a home. Before you make an offer, you need to know who owns the seawall, whether the dock permits are current, and what your flood insurance will cost — because these numbers move fast in Florida.
Florida Flood Zones, Explained: What X, AE, and VE Mean for Your Insurance
Every Florida home has a FEMA flood zone designation — and that two-letter label can add $2,000 to $10,000 a year to your cost of ownership. Here is what X, AE, AH, and VE actually mean, how to look up any address, and what you can do if you want to challenge the map.
Florida Hurricane Insurance: Wind, Flood, and Citizens Explained
Florida hurricane insurance is not one policy — it is three overlapping coverages: your homeowners wind policy, a separate flood policy, and possibly Citizens as your insurer of last resort. Here is how they interact and what to verify before storm season.