🛡 Hurricane Season Starts June 1, 2026 — Is your coverage adequate?
Free with Signup — 2026 Edition

Does Your Policy Actually
Cover What You Think It Does?

Our 12-point checklist walks you through the coverage gaps most South Florida homeowners don't discover until they file a claim — and it's too late.
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What's Included

Know Your Coverage Before You Need It

Most homeowners only read their policy after a claim is denied. This checklist gives you the 12 questions a public adjuster asks when reviewing a policy — before storm season.

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12-Point Policy Review

Coverage limits, hurricane deductibles, flood gaps, ordinance coverage, and replacement cost — all explained in plain language.

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Daily Intelligence Brief

Market news, storm forecasts, regulatory changes, and contractor market conditions — before 7am, Mon–Sat.

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Actionable Findings

Each checklist item tells you what to look for and what to do if you find a gap — including when to call your agent.

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Expert Perspective

Written by a licensed Florida public adjuster — the person who advocates for you after a loss, not the insurance company.

What's in the Checklist

A snapshot of the 12 items — covering the coverage gaps that cost South Florida homeowners the most.

💰 Coverage Limits

  • Is your dwelling coverage keeping up with rebuild costs?
  • Replacement cost vs. actual cash value — the difference is thousands
  • Extended replacement cost endorsement — do you have it?

🌀 Hurricane Deductibles

  • Your hurricane deductible may be 2–5% of your home's value
  • Named storm vs. hurricane trigger — which activates your higher deductible?
  • Wind mitigation discounts — are they applied to your policy?

🌊 Flood & Water

  • Standard policies do NOT cover flood damage
  • Water backup / sewer endorsement — often excluded by default

🏗 Code & Liability

  • Ordinance & Law coverage — critical for pre-2002 homes
  • Personal property sub-limits on jewelry and electronics
  • Liability limits — do you have a pool, dog, or significant assets?

South Florida Property Intelligence, Every Morning

3
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(Homeowner, Provider, RE Pro)
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Per week
Mon – Sat before 7am
$0
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No credit card needed
12
Coverage checks
in one checklist

Don't Find Out the Hard Way

Get your free policy review checklist now — and join the South Florida property owners who start every morning prepared.

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