Your Roof And Your Florida Home Insurance

Florida home insurance has become interesting, challenging, frustrating, and evolving over the past several years.

The changes have been blamed on litigation, fraud, climate change, politics, and a lack of choices. If you own a home in the Longwood, FL, and Central Florida areas and have been challenged by changes in home insurance, here are some things to know from Express Insurance.

Yes, Roofing Rules Have Changed

Traditional asphalt roofs in Florida have been determined to have a lifespan of just 15 years. If your roof is approaching 15 years of age or older, an insurance company may ask that the roof be replaced before insuring it.

Partial Roof Replacements

Florida regulations allow for roofs to be repaired when they may have been replaced previously.

What Happens if You Drop Homeowners Insurance in Florida

If you have a mortgage, your mortgage company likely requires you to carry homeowner’s insurance. If you allow homeowners insurance to lapse while you have a mortgage, your insurance company can “force place” coverage on your home. This is often extremely expensive coverage when compared to getting coverage on your own.

You Still Have Options

Even in Florida, there are still options for homeowners insurance, and Express Insurance of Longwood, FL, may be able to help. There may be alternatives to increasing deductibles or carrying separate “hurricane” protection. Contact us to discuss your central Florida home and your options.

If you think your only course of action is to self-insure or “go naked” without coverage, we encourage you to call Express Insurance of Longwood, FL.