Insurance Questions We Hear Every Week

A short form or a phone call covers the address, the roof’s age, and how you use the home (primary, second home, or rental), which is most of what we need. From there, we pull the rest ourselves.

Usually about a business day. We shop your home across 20+ vetted, A-rated carriers and come back with the combination of coverage and price that actually fits, not just the cheapest line.

No and no. Quotes are free, there’s no obligation, and we’ll tell you plainly if your current policy is the better deal.

No. Every standard home policy excludes rising water. Flood coverage is a separate policy, priced through NFIP or private markets, and we quote it alongside your home policy so nothing is left to assumption.

A percentage of your dwelling limit, not a flat dollar amount. On a $900K home, the difference between a 2% and 5% hurricane deductible is $27,000 out of pocket. We explain that math in dollars before you buy.

Only up to small policy caps unless it’s scheduled. Scheduled coverage insures valuables at full appraised value; we’ll tell you when it’s worth adding.

For about 15 years, some carriers have declined the home or pay only the actual cash value. We know which markets still write older roofs and when a replacement actually saves you money.

We answer to you, not a carrier. More than twenty A-rated companies compete for your policy, and we present the best of them with the trade-offs explained plainly.

The same people who quoted your policy. Call the office and a licensed agent walks you through the claim, the deductible math, and what happens next.

Send us the address and your deadline. We handle closings every week; binders, escrow, and lender requirements are routine for us, and your client gets a real person on the phone.