Most homeowners only learn what their insurance doesn't cover after it's too late. Don’t wait for a denied claim to discover your policy’s weak spots. This guide explains 8 critical policy elements every Florida homeowner should review before disaster strikes—from appraisal clauses to roof replacement cost coverage.

Florida law now requires insurance companies to respond to your property damage claim within 60 days—not 90. If your claim is sitting in limbo, you may have legal leverage. Learn what the statute says and how VIP Adjusting can help protect your rights.