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Florida Insurance Market

What is a Wind Mitigation Inspection

Florida Roofing Scams After a Storm: How to Spot Them and Protect Your Claim

Cornerstone News, Florida Insurance Market, In the Media /

Florida roofing scams follow the wind. Within days of a named storm crossing the coast, unfamiliar trucks roll through neighborhoods and someone knocks on your door offering a “free roof inspection” and a promise that insurance will pay for everything. As an independent Florida agency that has helped homeowners through Ian, Helene, Milton and every […]

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Family having fun inside their home protected by homeowners insurance

Does Citizens Cover Your Screen Enclosure or Carport?

Cornerstone News, Florida Insurance Market, Homeowners Insurance, Understanding Your Policy /

If you have a pool cage, lanai, carport or awning on your home, Citizens screen enclosure coverage is one of the first things you should check before the next storm season. Citizens Property Insurance Corporation, Florida’s state-run insurer of last resort, does not provide Coverage A (dwelling) or Coverage B (other structures) for a long

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Top FIVE Reasons Your New Florida Homeowners Insurance Policy May be Cancelled

Florida Insurance Market, Homeowners Insurance, Understanding Your Policy /

Editor’s note: This article was originally published in 2011 and was reviewed and updated in 2026 to reflect Florida’s 2022 roof-age insurance reforms (Fla. Stat. 627.7011). Four of the five underwriting reasons below still reflect how Florida new-business underwriting works today; the roof section has been updated for current law. Here is what you need

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Happy family with homeowners insurance in Florida

Florida Homeowners Insurance Rates: Increases Explained

Florida Insurance Market, Homeowners Insurance /

If you have watched your premium climb for years, you are not imagining it: Florida homeowners insurance rates rose faster and farther than almost anywhere else in the country between roughly 2019 and 2023. The good news in 2026 is that the picture has finally started to change. As an independent Florida agency, we field

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Father-walking-with-daughter-on-a-beach-under-an-umbrella

What Is an Umbrella Policy, and Why Should You Carry One in Florida?

Florida Insurance Market, Understanding Your Policy /

Umbrella insurance in Florida is a layer of personal liability coverage that sits on top of the liability limits already built into your auto, home, or renters policy. When a covered claim against you exhausts those underlying limits, the umbrella policy responds for the amount above them, usually in increments of $1 million. Its job

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John
James Bonn and Cornerstone In’s couldn’t have given me better service , so polite and prompt !! I am so glad that I found them on the internet and look forward to a long and ongoing relationship!!
Michael F.
I strongly recommend working with Joshua Gleaton, thanks to him I was able to find the best options for my homeowners insurance. He is excellent at quickly replying via email and goes out of his way to assist you if you have additional questions.
ELODIA T.
Exceptional service! Laura was extremely fast to respond and provided several great coverage options tailored to my needs. She made the whole process easy and stress-free. Highly recommended
Danielle L.
Joshua Gleaton helped us secure an awesome rate for our new Florida home! He was super responsive to my many emails and always provided a thorough answer. We had some closing delays and he adjusted our effective date several times. We will be seeking some auto insurance quotes through him next!
Simon Munoz A.
I didn’t think it was possible to get affordable home insurance in Florida, but Licensed Agent Joshua Gleaton was able to do that for me and my wife. It was very easy, quick and hassle free. Thank you so much Joshua 🙏🏼