Editor’s note: This story aired in June 2017. Congress has since extended the NFIP repeatedly, and FEMA’s Risk Rating 2.0 pricing methodology now governs flood premiums. The National Flood Insurance Program (NFIP), operated by FEMA, was
Cornerstone Insurance‘s Joshua Butts was recently featured in a USA Today article on disaster preparedness. “Get busy before disaster strikes to maximize insurance payout” discusses the fact that while you can’t stop disasters, you can ease
Editor’s note: Originally published May 2016. The assignment-of-benefits abuse described here was a major driver of Florida’s insurance crisis; AOB was eliminated for property policies issued on or after January 1, 2023 under SB 2A, and
Flood insurance Tampa Bay homeowners need is not the same product it was a decade ago, and after Hurricanes Helene and Milton pushed record water across Pinellas and Hillsborough in 2024, getting the details right matters
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
If you are shopping for Florida flood insurance for homebuyers in 2026, the rules are very different from what you may have read even a few years ago. Flood premiums are no longer driven by your
Editor’s note: originally published in 2013; reviewed and updated in 2026 for current Florida flood-insurance pricing and policy limits. Homeowners Insurance Tampa When it comes to home insurance many people think their policy covers everything. Unfortunately, many
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
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
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
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
A wind mitigation inspection is one of the most reliable ways for a Florida homeowner to lower the cost of property insurance without giving up coverage. It is a short, standardized inspection of the features that
