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May 6, 2025
Why do I need flood insurance in Florida?
Michael McDonald Business Insurance, Flood Insurance Blog, Homeowners Insurance, Insurance Tips

Why Do I Need Flood Insurance in Florida?

Introduction: Is Your Florida Home Ready for the Next Big Storm? Hurricane Milton’s devastating floods in 2024 left thousands of Florida homeowners grappling with millions in uninsured losses. From Tampa’s overwhelmed drainage systems to Orlando’s inland flooding, the message is clear: floods don’t discriminate by zip code. In Florida, where 1 in 5 homes faces a flood risk each year, flood insurance isn’t just a luxury—it’s a necessity. In this first part of our three-part
Keep Reading
flood insurance, florida, hurricane risk, storm surge
July 28, 2024
Best Florida Homeowners Insurance Rates
Michael McDonald Florida, Homeowners Insurance, Insurance Tips

Step-by-Step Guide to Best Florida Homeowners Insurance Rates

At Term Brokers, we specialize in helping our customers get the best Florida homeowners insurance rates. We do this by ‘reshopping’ your policy with our extensive network of Florida insurers. To prepare us for the ‘reshop’ we recommend you have answers to the following questions.We understand that rates have been climbing seemingly without end. The good news is nine insurers have recently filed with Florida’s Office of Insurance Regulation to reduce rates by as much as 10%.
Keep Reading
June 19, 2024
Flood Insurance Guide
Michael McDonald Business Insurance, Flood Insurance Blog, Homeowners Insurance, Hurricane Preparedness Tips, Insurance Tips

Flood Insurance Options for Florida Property Owners

Living in Florida, you’re aware of the constant threat of floods. Part 1 of this series explained why – the state’s low elevation, proximity to water, and frequent severe weather make most areas susceptible to 100-year flood events. Part 2 covered key concepts like Base Flood Elevation (BFE), freeboard, and elevation certificates. Now, let’s explore the flood insurance options that are available to you. National Flood Insurance Program (NFIP): The Main Course Most Florida property
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May 25, 2024
Part 2 Flood Mitigation
Michael McDonald Business Insurance, Flood Insurance Blog, Homeowners Insurance, Hurricane Preparedness Tips, Insurance Tips

Fortify Your Home: A Homeowner’s Guide to Flood Mitigation in the Florida Panhandle

A 3-part primer on flood insurance in FloridaPart 1: Why do I need Flood Insurance in FloridaPart 2: This article focused on flood mitigationPart 3: Flood Insurance Options The Florida Panhandle is no stranger to Mother Nature’s fury, with hurricanes often making landfall and leaving a trail of destruction in their wake. For homeowners along this picturesque stretch of coastline, preparing for these natural disasters is not just a matter of preference; it’s a necessity.
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base flood elevation, flood insurance, flood mitigation
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