{"id":1042,"date":"2013-06-02T14:31:27","date_gmt":"2013-06-02T18:31:27","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=1042"},"modified":"2026-07-29T07:41:17","modified_gmt":"2026-07-29T11:41:17","slug":"florida-homeowners-insurance","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/florida-homeowners-insurance\/","title":{"rendered":"Florida Homeowners Insurance  &#8211; Storm Season is Upon Us"},"content":{"rendered":"<p style=\"text-align:justify;\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/05\/florida-home-insurance.avif\" alt=\"Florida homeowners insurance\" loading=\"lazy\" width=\"350\" height=\"auto\" style=\"float:left;width:280px;margin:0 20px 20px 0;border-radius:6px\">Now that storm season has arrived in Florida, I want to share a few important tips to help you prepare. Taking a personal inventory of your home is essential in the event of a claim. Use your phone to photograph or video your belongings and store the files safely. During severe storms, you may not be able to leave your home, so make sure you have enough food and water to last several days.<\/p>\n<p style=\"text-align:justify;\">You should also know your local evacuation route. Pay attention to posted signs that guide you toward safer areas if a hurricane approaches. If you evacuate, homeowners insurance may or may not cover lodging. This benefit typically applies only if your home is damaged and unlivable or if a mandatory evacuation is ordered. Leaving voluntarily does not qualify.<\/p>\n<p style=\"text-align:justify;\">Florida homeowners insurance companies expect you to take reasonable steps to protect your home from further damage after a storm. This helps reduce additional losses and speeds up the rebuilding process. Boarding windows or drying out water\u2011damaged areas are examples of mitigation. Keep receipts for any expenses \u2014 many carriers reimburse these costs.<\/p>\n<p style=\"text-align:justify;\">Speaking of water damage, remember that homeowners insurance does NOT cover flooding. Now is an ideal time to consider flood insurance. Call me at <strong>352\u2011200\u20112066<\/strong> for a quote. Flood policies typically have a 30\u2011day waiting period unless required by a lender for closing, so act now to ensure you\u2019re protected.<\/p>\n<p style=\"text-align:justify;\">If you experience a loss, contact your homeowners insurance company immediately and follow the instructions provided by the claims specialist. I can also assist you during this process. Stay tuned to local news and official sources like FEMA for the latest storm updates.<\/p>\n<p style=\"text-align:justify;\">If you\u2019ve been considering new <strong><a href=\"https:\/\/rtcinsuranceadvisors.com\/Florida_Homeowners_Insurance.htm\" target=\"_blank\">Florida homeowners insurance<\/a><\/strong>, now is the time. Insurance companies stop writing new policies when storms are imminent. I can help you find competitive rates from top\u2011rated carriers today. Request a quote using the form below or call <strong>352\u2011200\u20112066<\/strong>. Stay safe.<\/p>\n<div id=\"rtci-wrapper\" style=\"all:unset;display:block;\">\r\n<div style=\"text-align:center;margin:30px 0;\"><div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\"><a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\"><\/a><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div><a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a><\/div><\/div>\r\n<div id=\"quoteform\"><\/div>\r\n<style>\r\n\/* Namespaced so nothing else on the site can interfere *\/\r\n.rtci-step { display:none; }\r\n.rtci-step.rtci-active { display:block; }\r\n\r\n.rtci-form {\r\n  max-width:600px;\r\n  margin:0 auto;\r\n}\r\n\r\n.rtci-row {\r\n  margin-bottom:15px;\r\n}\r\n\r\n.rtci-row label {\r\n  display:block;\r\n  font-weight:bold;\r\n  margin-bottom:5px;\r\n}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n  width:100%;\r\n  padding:10px;\r\n  font-size:16px;\r\n}\r\n\r\n.rtci-next,\r\n.rtci-prev,\r\n.rtci-submit {\r\n  padding:12px 20px;\r\n  font-size:16px;\r\n  margin-top:10px;\r\n  cursor:pointer;\r\n}\r\n<\/style>\r\n\r\n<div class=\"rtci-form\">\r\n  <h2>Get Florida Homeowners Insurance Quotes<\/h2>\r\n\r\n<style>\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline: none !important;\r\n    border: 2px solid #007bff !important;\r\n    box-shadow: 0 0 4px rgba(0, 123, 255, 0.4) !important;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n}\r\n<\/style>\r\n\r\n  <form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n\r\n    <!-- Honeypot -->\r\n    <input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"rtci-step rtci-active\">\r\n      <div class=\"rtci-row\">\r\n        <label>First Name *<\/label>\r\n        <input type=\"text\" name=\"first_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Last Name *<\/label>\r\n        <input type=\"text\" name=\"last_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Phone *<\/label>\r\n        <input type=\"text\" name=\"phone\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Email *<\/label>\r\n        <input type=\"email\" name=\"email\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Street Address *<\/label>\r\n        <input type=\"text\" name=\"street\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>City *<\/label>\r\n        <input type=\"text\" name=\"city\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>State *<\/label>\r\n        <input type=\"text\" name=\"state\" value=\"FL\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>ZIP Code *<\/label>\r\n        <input type=\"text\" name=\"zip\" required>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"rtci-step\">\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Number of Stories *<\/label>\r\n        <input type=\"text\" name=\"stories\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Square Footage *<\/label>\r\n        <input type=\"text\" name=\"square_feet\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Construction Type *<\/label>\r\n        <select name=\"construction\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Block\">Block<\/option>\r\n          <option value=\"Frame\">Frame<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Roof Year *<\/label>\r\n        <input type=\"text\" name=\"roof_year\" required>\r\n      <\/div>\r\n\r\n      <!-- \u2b50 NEW FIELD HERE \u2b50 -->\r\n<div class=\"rtci-row\">\r\n  <label>What Type of Policy Do You Need? *<\/label>\r\n  <select name=\"policy_type\" required>\r\n    <option value=\"\">Select<\/option>\r\n    <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n    <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n    <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n    <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n    <option value=\"Flood Only\">Flood Only<\/option>\r\n    <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Any claims in the last 5 years? *<\/label>\r\n        <select name=\"claims\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n          <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n          <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Current Insurance Status *<\/label>\r\n        <select name=\"current_insurance\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Yes\">Yes<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"New Purchase\">New Purchase<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Desired Dwelling Limit *<\/label>\r\n        <input type=\"text\" name=\"dwelling_limit\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Liability Limit *<\/label>\r\n        <select name=\"liability_limit\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$100,000\">$100,000<\/option>\r\n          <option value=\"$300,000\">$300,000<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Hurricane Deductible *<\/label>\r\n        <select name=\"hurricane_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"2%\">2%<\/option>\r\n          <option value=\"5%\">5%<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>All Other Perils Deductible *<\/label>\r\n        <select name=\"aop_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$500\">$500<\/option>\r\n          <option value=\"$1000\">$1000<\/option>\r\n          <option value=\"$2500\">$2500<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Additional Notes<\/label>\r\n        <textarea name=\"notes\" rows=\"4\"><\/textarea>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n    <\/div>\r\n\r\n  <\/form>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  const steps = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  let currentStep = 0;\r\n\r\n  function scrollToForm() {\r\n    const formTop = document.querySelector(\".rtci-form\").offsetTop;\r\n    window.scrollTo({ top: formTop - 20, behavior: \"smooth\" });\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(step => step.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    scrollToForm();\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep < steps.length - 1) {\r\n        currentStep++;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep > 0) {\r\n        currentStep--;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n});\r\n<\/script>\r\n\r\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Now that storm season has arrived in Florida, I want to share a few important tips to help you prepare. Taking a personal inventory of your home is essential in the event of a claim. Use your phone to photograph or video your belongings and store the files safely. During severe storms, you may not&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[118,194],"class_list":["post-1042","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-florida-homeowners-insurance","tag-home-owners-insurance"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1042","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=1042"}],"version-history":[{"count":2,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1042\/revisions"}],"predecessor-version":[{"id":3496,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/1042\/revisions\/3496"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=1042"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=1042"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=1042"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}