Cornerstone News

New construction home insurance Florida buyers ask us about almost always costs less to insure than an older home of the same size and value, and yes, a brand-new house typically qualifies for the strongest wind-mitigation credits available in the state. The reason is simple: homes built to the current Florida Building Code are engineered […]

When it comes to FR-44 vs SR-22 Florida drivers ask us the same thing: which filing do I need to get my license back after a DUI? The short answer is the FR-44. In Florida, a DUI conviction requires an FR-44 with much higher liability limits (100/300/50), while an SR-22 follows non-DUI offenses like driving

Wondering whether sinkhole insurance Florida homeowners carry is built into a standard policy or sold separately? The honest answer is both, and that split is exactly where most claims fall apart. Under Florida law (s. 627.706), every property policy in the state automatically includes “catastrophic ground cover collapse,” but that narrow coverage only pays when

Mobile home insurance Florida shoppers ask us one question more than any other: why is it so hard to insure an older manufactured home, and which companies will actually cover it? The short answer is that almost every national homeowners carrier refuses these homes, so coverage comes from a small group of specialty manufactured-home insurers

HO-6 condo insurance Florida policies cover everything from the unfinished drywall inward — your interior finishes, flooring, cabinets, built-in appliances, window treatments, personal belongings, liability, and loss assessments — while your association’s master policy insures the building structure itself. Florida is unusual because the split isn’t left to guesswork: Florida Statute 718.111(11) spells out exactly

If you are renting out your Florida house, DP-3 landlord insurance Florida investors rely on is almost certainly the policy you need, and yes, it is different from regular homeowners insurance. A DP-3 (Dwelling Property Special Form) is built for a home you own but do not live in, while a standard HO-3 homeowners policy

The simplest way to understand the 4-point vs wind mitigation inspection question in Florida is this: a 4-point inspection decides whether you can get a home insurance policy, and a wind mitigation inspection decides how much you will pay for it. You often need both, but they answer two completely different underwriting questions. A 4-point

Roof age home insurance Florida questions almost always start the same way: “My roof is 15 years old — can my insurance company drop me, and can I still get coverage without replacing it?” The short answer is yes, a carrier can non-renew an older roof, but Florida law gives you a specific right to

If your house is in flood zone X Florida, the short answer is this: no, your mortgage lender almost certainly will not require flood insurance, but no, you are not automatically safe to skip it. Zone X is a lower-risk designation, not a no-risk one, and FEMA’s own claims data shows a large share of

If your home insurance claim was denied in Florida, do not assume the decision is final, and do not rush to hire anyone yet. A denial is your insurer’s opening position, not the last word. Your best first moves are free: get the denial reasons in writing, request a copy of your claim file, re-read

If you want to buy home insurance during a hurricane in Florida, the honest answer is usually no — once a storm has a name or the National Weather Service issues a tropical storm or hurricane watch or warning for any part of the state, nearly every carrier stops binding new coverage. There’s a storm

A Florida hurricane deductible is a percentage of your dwelling coverage (Coverage A) — usually 2%, 5%, or 10% — that you absorb before your homeowners insurer pays a covered hurricane claim, and it only kicks in during a state-defined named-storm window, not for every windy day. So if your home is insured for $400,000