Let’s Talk About That 4% Insurance Rate Increase

(and How to Stay One Step Ahead) 💸

We get it – no one gets excited about talking insurance rates. But when Florida homeowners are staring down an expected 4% increase in 2026, it’s worth grabbing a cup of coffee and having a chat about it.

A 4% bump might not sound huge at first glance, but for most homeowners, that means noticeably higher bills, and many will start exploring ways to offset the cost, like raising deductibles or shopping around for new coverage.

But here’s the good news: there are proactive ways to protect both your home and your wallet.

💨 Wind Mitigation: Your Home’s Secret Superpower

When it comes to Florida weather, the wind doesn’t mess around. That’s why wind mitigation inspections are a game changer. Upgrades like impact-resistant windows and reinforced roofing can help reduce your insurance premiums, sometimes significantly. Insurance companies love strong, secure homes, and they often reward you for it.

🔧 Get Ahead Before Renewal Time

If you know your renewal’s coming up, that’s your cue to take action. Before your insurer takes another look at your policy, tackle those lingering repairs or upgrades, especially anything electrical. And while you’re at it, make sure your AC system is serviced regularly and check for any leaks before they turn into full-blown damage. A little prevention now saves you a lot of stress (and expense) later.

Clarity, not confusion.
Too often, homeowners receive inspection reports that read like hieroglyphics. We explain everything clearly and will guide you through next steps.

We understand how homes really work.
We’re licensed in home inspection, mold assessment, and mold remediation, so we know how issues spread behind the scenes.

You get the owner, not an apprentice.
With 25+ years of experience, we’ve seen everything Florida can throw at a home. When you book with us, you’re getting expertise at every step.

Want personalized advice or need a property checkup before your renewal? Let’s chat one-on-one – we’ll bring the expertise and even the coffee.