FAQs

You can file a claim several ways. The best way is to contact the insurance company directly. For contact information by carrier, click here. You can also complete the File a Claim form on our website or call us.

I've heard that it's hard to get home insurance. Is that true?
No. The property market in Florida is thriving. We write home insurance through over 12 different TOP-RATED carriers.

I've heard that my only option for home insurance now is Citizens? Is that true?
No. For most people, you will NOT have to be insured with Citizens. Our agency still believes that Citizens is the insurer of 'last resort' and will only place customers with them if there are no other options.

What types of homes does Post insure?
Post Insurance can insure ALL types of homes. This includes homes, condos, townhouses, rental properties, seasonal homes, secondary homes, high value homes, waterfront homes, and vacant homes.

What should I do to get a new policy right now? I don't want to wait until I'm cancelled. You can get a new home insurance policy at anytime. You don't have to wait until you are cancelled. Simply call our office or request a quote online and we will personally discuss your needs and give you a quote. Then we'll walk you through how to cancel your current policy and get your new policy started.

How can I maximize my discounts?
There are 2 things you should do right away to maximize your savings. First, when we quote your home, let us quote your auto. You may get additional discounts when we insure both your home and cars with our agency. Secondly, have you had your Wind Mitigation Inspection? If not, let us sign you up! Most customers see substantial savings on their home insurance once the inspection is completed.

I'm a small business owner whose being cancelled? Can you help?
Absolutely. We write all forms of commercial insurance. We have access to several property markets with good rates. Call us at 878-8184 or request your quote online. We'll tailor your policy to your needs and become your Business Partner so you can focus on running your business.

I've heard that new policies are more expensive than what I'm paying now? Does this mean my rates are going to go up?
Probably not. And better yet, there's a good chance you may find your rates go down. We've re-written many people with quality companies and they've actually been paying less than they were before and are not giving up important coverages.

Why should I do business with Post Insurance?
Post Insurance is a local agency serving the Treasure Coast for 29 years. We are a team of professionals who understand the complexities of insurance but explain it to customers in 'plain old English.' We offer home, auto, business, life and health insurance. We want you to feel good about the coverage you have protecting you.

Renters policies provide several benefits. A renters policy will provide compensation for many types of loss to your personal property. Renters policies also include liability protection. This can be especially important because a fire, caused by your negligence, could damage a large number of other rental units and the property contained in them. Liability coverage will normally cover your legal obligations to compensate other parties in cases like this as well as for other instances where you are legally liable for damage of loss.

Follow this link below to an interactive demonstration of the damages you may experience from a flood. The graphic may take a moment to load.

http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf

Your Wind Mitigation Inspection suggests ways you can make your home more 'hurricane-resistant' during future storms. The free inspections that were sponsored by the My Safe Florida Home program through the Florida Department of Financial Services have now ended. However, homeowners are still encouraged to get Wind Mitigation Inspections on their own. Costs for inspections generally range from $75 - $150. Although there is no guarantee you will receive a savings on your insurance premiums, many of our clients have saved hundreds of dollars making it worth the cost to pay for the inspection.

That depends. Liability protection that you carry for personal injury and property damage will provide some protection while you are driving the rental car. Damage to the rental car would be covered under Collision and Comprehensive Coverage, if your policy has it. The rental car company may also try to recover damages for lost income while the rental car is out of service. Your auto policy may or may not protect you against this claim; the best way to know is to look at your policy or ask us to review it for you. Credit card companies often provide protection against these kinds of rental car claims so you should check there to see what the provisions and restrictions might be. Finally, you can purchase a Collision Damage Waiver – CDW- from the rental car company. This isn't actually insurance but a release from financial liability you might otherwise be charged with as a result of damaging the rental car. The CDW is expensive at $8 to $12 a day. This would amount to over $4,000 a year for very limited coverage. Still, if you do not have protection via your auto policy or credit card, paying the CDW over a few days may be preferable than being personally accountable for $15,000 or $20,000 or more to replace the rental car.

Your policy will normally adjust for differences in other state requirements if you have the required minimum coverage for your state. Personal automobile policy protection is only applicable in the United States, US territories and possessions and the provinces of Canada.

That depends. A business auto policy by itself won't extend protection to rented autos unless you have amended it. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
   
2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
   
3. An estimate is prepared.
   
4. A check is delivered.
   
5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.
   

It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.

In most cases the other driver’s insurance policy would respond and reimburse you for damages to your vehicle, property or injuries. In some cases, as when you or your passengers are injured and the other driver has inadequate or no insurance, coverage from your own policy may apply (Uninsured or Underinsured Motorist Coverage).

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.

Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly provide permission, the other person only needs to have a reasonable belief that they are driving with permission.

Many natural disasters, such as hurricanes or tornadoes, are covered in a homeowner policy. Others, like earthquake and flood are not. Let us know if you have any concerns about your protection from loss due to natural or even man made disasters; we'll be happy to review your insurance program and let you know what, if any, changes you might want to consider.

Yes, you can access your information online or over the phone!

Online
Manage myPolicy is an enhancement to the Citizens website that allows policyholders to register and access their policy information. This feature is currently available for policies with a prefix of FRJ.

https://selfserve.citizensfla.com/selfserve-web/home.cpic

Manage myPolicy will allow policyholders to see details such as:
· Name, property address, and effective and expiration dates
· Agent name, address, phone number and e-mail address
· Coverage and deductible information
· Rating, discount and mitigation information
· Premium amount and billing history

Over the Phone
By calling 1-888-685-1555 and following the prompts, policyholders can hear details regarding coverage information, premium amounts and payment dates.

The association master policy is for coverage to the structure, which you don't need. However, to get protection for your own possessions and for legal liability related to your own unit, you need your own policy. Many condominium associations will assess unit owners for master policy deductibles. That's another reason why it is important to have your own policy and why it is important that the coverage in your policy match up well with the association master policy.

A standard homeowner policy provides coverage equal to 10% of the limit for Coverage C of a homeowner policy or $1,000, whichever is greater. This coverage is useful for protecting you while traveling and for other temporary situations. If you have property in excess of these amounts away from home or property that is kept away from your residence premises for extended periods, you should consider additional protection.

The 10% limitation for household property, is for property at an Insureds Residence Premise......There is no limitation for property carried on vacation or stored in a storage unit. (except whatever the contents limit is on the property)

Homeowner policies specifically exclude reimbursement for damage caused by flood. Your home may be a significant distance from a major body of water but still be exposed to flood risk if your home was built in a flood plain. The National Flood Insurance Program has a flood risk indicator on their website. All you have to do is enter your property address and you will get an indication of the degree of flood risk you face. Our agency can get flood coverage for you. For an indication of the cost, the National Flood Insurance Site also has a 'quick quote' table of premiums to give you an idea. If you would like a free custom quote for your home, just let us know by clicking the 'Ask a Question' link on this page.

At Risk Indicator

Quick Quote Premium Estimate (PDF)

When your insurance company mails your renewal policy to you they typically send you an invoice as well. If your insurance is 'escrow-billed' or 'mortgagee-billed', your mortgage company will also get a copy of this invoice and mail payment on your behalf. Your copy of the invoice is so you will know how much your mortgage company is paying out of escrow.

It's always a good idea to contact your mortgage company to make sure they've mailed the payment. On the rare occassion a mortgage company doesn't mail the payment, your insurance company may cancel your policy and you won't have coverage.

I've heard that it's hard to get home insurance. Is that true?
No. The property market in Florida is thriving. We write home insurance through over 12 different TOP-RATED carriers.

I've heard that my only option for home insurance now is Citizens? Is that true?
No. For most people, you will NOT have to be insured with Citizens. Our agency still believes that Citizens is the insurer of 'last resort' and will only place customers with them if there are no other options.

What types of homes does Post insure?
Post Insurance can insure ALL types of homes. This includes homes, condos, townhouses, rental properties, seasonal homes, secondary homes, high value homes, waterfront homes, and vacant homes.

What should I do to get a new policy right now? I don't want to wait until I'm cancelled. You can get a new home insurance policy at anytime. You don't have to wait until you are cancelled. Simply call our office or request a quote online and we will personally discuss your needs and give you a quote. Then we'll walk you through how to cancel your current policy and get your new policy started.

How can I maximize my discounts?
There are 2 things you should do right away to maximize your savings. First, when we quote your home, let us quote your auto. You may get additional discounts when we insure both your home and cars with our agency. Secondly, have you had your Wind Mitigation Inspection? If not, let us sign you up! Most customers see substantial savings on their home insurance once the inspection is completed.

I'm a small business owner whose being cancelled? Can you help?
Absolutely. We write all forms of commercial insurance. We have access to several property markets with good rates. Call us at 878-8184 or request your quote online. We'll tailor your policy to your needs and become your Business Partner so you can focus on running your business.

I've heard that new policies are more expensive than what I'm paying now? Does this mean my rates are going to go up?
Probably not. And better yet, there's a good chance you may find your rates go down. We've re-written many people with quality companies and they've actually been paying less than they were before and are not giving up important coverages.

Why should I do business with Post Insurance?
Post Insurance is a local agency serving the Treasure Coast for 29 years. We are a team of professionals who understand the complexities of insurance but explain it to customers in 'plain old English.' We offer home, auto, business, life and health insurance. We want you to feel good about the coverage you have protecting you.

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
   
2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
   
3. An estimate is prepared.
   
4. A check is delivered.
   
5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.
   

It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

Follow this link below to an interactive demonstration of the damages you may experience from a flood. The graphic may take a moment to load.

http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf

Your Wind Mitigation Inspection suggests ways you can make your home more 'hurricane-resistant' during future storms. The free inspections that were sponsored by the My Safe Florida Home program through the Florida Department of Financial Services have now ended. However, homeowners are still encouraged to get Wind Mitigation Inspections on their own. Costs for inspections generally range from $75 - $150. Although there is no guarantee you will receive a savings on your insurance premiums, many of our clients have saved hundreds of dollars making it worth the cost to pay for the inspection.

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.

Typical policies provide coverage for you and relatives that live with you. So, if your roommate is not a relative you will not be protected under his or her policy. Renters polices are very affordable, starting at not much more than $150 a year and they provide liability protection as well as coverage for your personal possessions.

If you have a homeowner policy your boat might be covered but there are limitations. Automobile policies do not extend coverage to boats. Boat coverage can sometimes be increased by modifying a homeowner policy but a separate boat policy may be needed.

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
   
2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
   
3. An estimate is prepared.
   
4. A check is delivered.
   
5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.
   

It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
   
2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
   
3. An estimate is prepared.
   
4. A check is delivered.
   
5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.
   

It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

If you own, lease (long term) or finance your vehicle then you will file a claim with your insurance company. You will have to pay any deductible amount. Payment for your loss will include payment to the finance or leasing company, if any. If you cause damage to other vehicles or property, your insurance company will handle that with little or no involvement on your part, in most cases.

Follow this link below to an interactive demonstration of the damages you may experience from a flood. The graphic may take a moment to load.

http://www.floodsmart.gov/floodsmart/flash/flood_my_house_external.swf

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.

That depends. A business auto policy by itself won't extend protection to rented autos unless you have amended it. You can get protection for situations where you rent autos if you add Hired Auto Liability and Physical Damage coverage.

I've heard that it's hard to get home insurance. Is that true?
No. The property market in Florida is thriving. We write home insurance through over 12 different TOP-RATED carriers.

I've heard that my only option for home insurance now is Citizens? Is that true?
No. For most people, you will NOT have to be insured with Citizens. Our agency still believes that Citizens is the insurer of 'last resort' and will only place customers with them if there are no other options.

What types of homes does Post insure?
Post Insurance can insure ALL types of homes. This includes homes, condos, townhouses, rental properties, seasonal homes, secondary homes, high value homes, waterfront homes, and vacant homes.

What should I do to get a new policy right now? I don't want to wait until I'm cancelled. You can get a new home insurance policy at anytime. You don't have to wait until you are cancelled. Simply call our office or request a quote online and we will personally discuss your needs and give you a quote. Then we'll walk you through how to cancel your current policy and get your new policy started.

How can I maximize my discounts?
There are 2 things you should do right away to maximize your savings. First, when we quote your home, let us quote your auto. You may get additional discounts when we insure both your home and cars with our agency. Secondly, have you had your Wind Mitigation Inspection? If not, let us sign you up! Most customers see substantial savings on their home insurance once the inspection is completed.

I'm a small business owner whose being cancelled? Can you help?
Absolutely. We write all forms of commercial insurance. We have access to several property markets with good rates. Call us at 878-8184 or request your quote online. We'll tailor your policy to your needs and become your Business Partner so you can focus on running your business.

I've heard that new policies are more expensive than what I'm paying now? Does this mean my rates are going to go up?
Probably not. And better yet, there's a good chance you may find your rates go down. We've re-written many people with quality companies and they've actually been paying less than they were before and are not giving up important coverages.

Why should I do business with Post Insurance?
Post Insurance is a local agency serving the Treasure Coast for 29 years. We are a team of professionals who understand the complexities of insurance but explain it to customers in 'plain old English.' We offer home, auto, business, life and health insurance. We want you to feel good about the coverage you have protecting you.

All restaurants have some common business concerns:
1. Fire
2. Cooking equipment
3. Refrigeration units
4. Safety
5. Employee experience and training
6. Food poisoning
7. Slippery or Uneven Floors

The claim process has a few variations but these are the essential steps once the claim has been submitted to the insurance company:

1. You will be contacted by an insurance company adjustor to gather detailed information about your claim.
   
2. Often, someone from the insurance company will inspect your auto or property for damage or will ask you to provide evidence of value and ownership for loss to property that is not a vehicle or real property.
   
3. An estimate is prepared.
   
4. A check is delivered.
   
5. Sometimes differences in actual and estimated damages arise, especially after repair work has been undertaken. Every attempt is made to resolve these differences and sometimes a supplemental check is prepared.
   

It is the responsibility of the insurance company to settle and pay your claim and the responsibility of our agency to make sure that is done as quickly and fairly as possible with a minimum of uncertainty and bother for you. We monitor claim progress closely and communicate with you throughout to make sure you are satisfied.

That depends on the kind of business you engage in. All business need basic liability to protect them against acts of owners or employees for which the business might be considered legally liable. Professional service providers soften need special liability protection. Examples might be professional liability protection for lawyers, doctors, architects or software designers. Another example are businesses that manufacture or distribute a product; they typically need product liability protection. It's always a good idea to review the kinds of liability exposures your business might have when updating or initiating an insurance program.

Businesses that own autos or use non-owned autos in the conduct of their business will probably need a business auto policy.

All businesses have property which can be divided up into several categories: office or other equipment, inventory, real property, etc. and it is a good idea to think about your ability to replace any damaged or lost property in these categories. If the possible amount of loss exceeds your comfort level then insurance might be a good altenative.
You need to think about how long you could afford to be out of business. Insurance, known as business interruption insurance, can pay suppliers, salaries and other costs you might incur even if your business income were to be interrupted by a covered cause of loss.

Generally the answer is no. One claim is not a cause for concern on the part of of insurance companies. But a pattern of claims may result in a premium increase or cancellation. So if you have a claim that is the third in three years, for example, that will be viewed differently than having one claim only. Individual claims that are suggestive of gross negligence can also result in significant premium increase or cancellation. An example might be an auto accident accompanied by a reckless driving or driving under the influence conviction.

You should review all of your insurance needs at least once a year. If you have a major life change, you should contact your insurance agent or company representative. The change in your life may have a significant impact on your insurance needs. Life changes may include:

• Marriage or divorce
  
  
• A child or grandchild who is born or adopted
  
  
• Significant changes in your health or that of your spouse/domestic partner
  
  
• Taking on the financial responsibility of an aging parent
  
  
• Purchasing a new home
  
  
• A loved one who requires long-term care
  
  
• Refinancing your home
  
  
• Coming into an inheritance

Source: Insurance Information Institute www.iii.org