Is a flood covered under my homeowners policy?

No, a standard homeowners policy does not include flood coverage. Flood is an inexpensive yet separate policy that is underwritten through FEMA and the rates are standardized so no matter what company your policy is through, the premium is the same. If your property is not in a flood zone, rates are as follows:

Building/Contents Premium

$20,000/$8,000 $119
$30,000/$12,000 $150
$50,000/$20,000 $201
$75,000/$30,000 $237
$100,000/$40,000 $264
$125,000/$50,000 $284
$150,000/$60,000 $303
$200,000/$80,000 $333
$250,000/$100,000 $355

For more information, or to see if you are covered, contact us at www.fiorellainsurance.com

How long after a qualifying event do I have to elect COBRA coverage?

Qualified beneficiaries must be given an election period during which each qualified beneficiary may choose whether to elect COBRA coverage. Each qualified beneficiary may independently elect COBRA coverage. A covered employee or the covered employee's spouse may elect COBRA coverage on behalf of all other qualified beneficiaries. A parent or legal guardian may elect on behalf of a minor child. Qualified beneficiaries must be given at least 60 days for the election. This period is measured from the later of the coverage loss date or the date the COBRA election notice is provided by the employer or plan administrator. The election notice must be provided in person or by first class mail within 14 days after the plan administrator receives notice that a qualifying event has occurred.

Note: If your qualifying event was involuntary termination of employment that occurred on or after September 1, 2008 through February 16, 2009, you may go online to www.fiorellainsurance.com or call 772-283-0003 to speak to a Benefits Advisor.

Why did my auto insurance rates go up after a ticket even though I went to traffic school?

The short answer to this question is that traffic school does nothing for you except remove the points from your license. It is a fallacy that your insurance company will not find out about a ticket if you go to school; school or not, your rates will increase by the same amount. Unless you are about to lose your license for too many points, don’t bother going to traffic school…and definitely don’t do it save your auto rates. For a free no hassle quote, contact us online at www.fiorellainsurance.com

Why did my auto insurance rates go up after an accident that wasn’t even my fault?

Unfortunately, from an auto insurance perspective, an accident effects your rates regardless of fault. It doesn’t seem right, but it’s just the way it is.

To find out more or to get a new quote on your Florida Insurance, go to www.fiorellainsurance.com.

Why is my homeowner’s insurance company requiring me to have a fence or screen enclosure around my pool when my pool complies with all county codes?

This is a very good question that comes up a lot. As a general rule, all insurance companies require that a swimming pool be enclosed by a 4 foot, permanent fence or a screen enclosure, regardless of whether or not your county code requires it. And a baby fence does not qualify as it is not a permanently installed fence. This causes a problem for many homeowners and the only real option is to either purchase a homeowners policy that excludes pool liability or to bite the bullet and install a fence. For more information contact us online or email contact@fiorellainsurance.com.