Frequently Asked Questions (FAQs)

Yes, you can make a payment online by registering your policy at the My Policy link on the homepage. You can also call (866)561-3433 option 4 and one of our friendly representatives will assist you.

The agent listed on your declarations page is to be your primary point of contact for any policy changes. You can locate your agent's contact information at the top left of the declarations page. They will advise you regarding your coverage options and work with our company to be sure the changes are made.

You should contact your mortgage company immediately to determine if they have sent the payment to our Company. In the event that payment has been sent by the mortgage company, but not yet received by us, please contact your agent or one of our friendly representatives at (866)561-3433 option 2 and they will assist you.

In most instances, yes. Our Company contracts with a firm that will send an inspector to your home 2-6 weeks following the purchase of the policy. They will measure and take photos of the outside of your home. They will not attempt to access any gated or locked areas.

In some instances, a 4-Point inspection will be required in order to determine eligibility of coverage. You can work with your agent to find an inspector in your area. The inspector will review the four major components of your home Roof, Electrical, Plumbing, and HVAC to be sure they are updated and in good working order.

Florida offers a range of premium discounts based on specific construction features that are considered to be adequate when minimizing the amount of loss caused by wind damage to your home. A Wind Mitigation inspection is needed to determine which credits apply to your home. You can discuss with your agent whether a Wind Mitigation inspection is appropriate for your home.

A deductible is the amount you will pay out of pocket before your insurance carrier pays for a covered loss. In Florida most homeowner policies have two deductibles, one is the hurricane deductible and the other is an All Other Perils or AOP deductible. In the event that a “named storm” causes damage to your property, the Hurricane deductible will apply. The AOP deductible will apply to any covered loss that does not have a specific deductible assigned. In some instances other deductibles may be specified, such as a separate deductible amount for sinkhole damage.

Flood coverage is NOT included in your homeowners policy. Flood insurance is available for purchase through American Traditions/Modern USA. Contact your agent for details.

In the event that you make any improvements or additions to your home, you should always contact your agent. You may need to increase your coverage and you could be eligible for credits or discounts depending on the improvements you have made.

Actual Cash Value (ACV) is the cost to replace your property minus depreciation. Depreciation is a decrease in value due to wear and tear or age. Replacement Cost is the actual cost in today’s dollars to repair or replace and item(s) back to pre-loss condition.

In a covered loss, building ordinance or law coverage pays to rebuild a structure to comply with current building codes. Building codes may have changed or new codes added since your home was originally constructed. The standard option is 10% of your Dwelling Coverage A limit with increased limits of 25% and 50% available. Your agent will be able to discuss the best option for your home.