Florida home insurance, explained
Straight answers for Florida homeowners about FMAP, Citizens, takeout offers, roofs, wind mitigation, inspections, flood and comparing quotes. Written by Nymble Insurance, a licensed Florida agency. No carrier ads and no price claims, just how the system works and what to check.
- What is a 4-point inspection in Florida?
Why Florida carriers ask for 4-point inspections on older homes, what they cover, and how to prepare.
- Wind mitigation discounts in Florida, explained
What a Florida wind mitigation inspection (OIR-B1-1802) documents and how it can lower the wind portion of your premium.
- Roof age and insurability in Florida
How roof age, material and documentation affect whether a Florida home can be insured, and what the law says about roofs under 15 years old.
- Why did Florida home insurance premiums go up?
The real drivers behind Florida's premium increases: hurricane losses, reinsurance costs, litigation, and roof claims, plus what you can control.
- Citizens vs. private carriers: what actually changes for you
How Citizens Property Insurance compares to private Florida carriers on eligibility, the 20% rule, assessments and coverage.
- What is FMAP, and who sees your information?
FMAP is Florida's free, state-authorized referral service. Here is exactly who receives your property request, according to FMAP's own privacy notice.